Home
/
RELIGION & LIBERTY ONLINE
/
How social-welfare policy is affecting family formation
How social-welfare policy is affecting family formation
Jul 1, 2026 11:42 AM

In America, the most effective “anti-poverty program” is the institution of work (more specifically, ensuring people have a full-time job). The second most effective program for preventing people from being poor is the institution of marriage.

The poverty rate among married couples in America is around 6 percent, and among married couples who both have full-time jobs the poverty rate is practically zero (0.001 percent). In contrast, the poverty rate among single-dads/moms is much higher: 25 percent for single dads / 31 percent for single moms.

Unfortunately, government-based anti-poverty programs tend to conflict with or discourage the benefits of work and marriage. In his 1984 book Losing Ground, Charles Murray reported that the expansion of federal and state support for poor families during the 1960s-era War on Poverty ended up penalizing marriage. The reason is that government aid is often “means-tested” — recipients can only receive the aid if they do not possess the means to do without that help.

While this may seem like monsensical approach, it can have detrimental unintended consequences. For example, a single-mother may be receiving $15,000 in aid from the government and wish to marry a man who is earning $15,000. Before walking down the aisle, though, she learns that her potential husband’s e would put her over the means-tested threshold and she would lose all government aid. She would be better off, financially speaking, by merely “shacking up” with the man and not getting married at all. This is often known as a “marriage penalty,” where it makes more financial sense for a couple to cohabit rather than to marry. And it has been a public policy problem for almost fifty years. A new report by AEI and the Institute for Family Studies, however, shows that the unintended consequences are beginning to change in unexpected ways.

“In the 1960s and 1970s, social-welfare programs may have been most consequential for family formation among the poorest couples, largely because they were the ones most likely to participate in such programs,” notes the report. “Today, however, the design of social-welfare policy may have the most influence on couples in the lower middle class.”

The report’s analysis of American couples whose oldest child is two years or younger indicates that 82 percent of those in the second and third quintiles of family e ($24,000 to $79,000) face this kind of marriage penalty when es to Medicaid, cash welfare, or food stamps. By contrast, only 66 percent of their counterparts in the bottom quintile (less than $24,000) face such a penalty.

Additionally, they found that almost one-third of Americans aged 18 to 60 report that they personally know someone who has not married for fear of losing means-tested benefits. The report offers four strategies for addressing the marriage penalties embedded within social-welfare policies:

1– In determining eligibility for Medicaid and food stamps, increase the e threshold for married couples with children under five to twice what it is for a single parent with children under five. Such a move would ensure that couples just starting a family do not feel pressured to forgo marriage just to access medical care and food for their families. The cost of this policy change would be limited, since it would only affect families with young children.

2– Offer an annual, refundable tax credit to married couples with children under five that pensate them for any loss in means-tested benefits associated with marrying, up to $1000. This would send a clear signal that the government does not wish to devalue marriage and, for couples, it would help to offset any penalties associated with tying the knot.

3– Work with states to run local experiments designed to eliminate the marriage penalty associated with means-tested policies. States could receive waivers to test a range of strategies to eliminate penalties in munities, and municate to the public that the penalties are no longer in force there. Successful experiments could then be scaled up to the national level in future efforts to reform means-tested policies.

4– Encourage states and caseworkers working with e families to treat two-parent families in much the same way as they do single-parent families. For instance, states could ease the distinctive work requirements that many have in place for two-parent families receiving cash welfare. Reforms such as this one would put two-parent and single-parent families on a more equal footing when es to public assistance. More generally, policymakers and caseworkers should try to eliminate policies and practices that effectively discriminate in favor of single-parent families.

The effect of government aid programs is mixed — and costly. Since the beginning of the war on poverty until 2012, local, state, and federal spending on welfare programs has totaled 15,000,000,000,000. Currently, the United States spends nearly $1 trillion every year to fight poverty, an amount equal to $20,610 for every poor person in America, or $61,830 per poor family of three.

Despite their relative ineffectiveness in alleviating poverty, the programs aren’t going away anytime soon. Today, more than four in ten families in America receive some kind of means-tested government assistance, from Medicaid to food stamps. Instead plaining about social-welfare policy, though, Christians in America should be encouraging reforms that eliminate marriage penalties. In helping to alleviate poverty we need to make sure we aren’t unintentionally hurting the formation of American families.

Comments
Welcome to mreligion comments! Please keep conversations courteous and on-topic. To fosterproductive and respectful conversations, you may see comments from our Community Managers.
Sign up to post
Sort by
Show More Comments
RELIGION & LIBERTY ONLINE
The Christian Life between Accommodation and Isolation
In this week’s Acton Commentary, “The Soul of the System,” I examine a number of images and distinctions related to Hunter Baker’s latest book,The System Has a Soul. In describing Herman Bavinck’s images of the kingdom of God as a pearl and a leaven, and plementary distinction from Abraham Kuyper of the church as an institute and an organism, a question naturally follows about the relationship between each element of the pairings. As with any distinction of this kind, there...
Russell Kirk on Envy
Following up on the recent discussions of envy, here’s a bit from Russell Kirk’s book on economics: It would be easy enough to list other moral beliefs and customs that are part of the foundation of a prosperous economy, but we draw near to the end of this book. So instead we turn back, for a moment, to one vice we discussed earlier—and to the virtue which is the opposite of that vice. The vice is called envy; the virtue...
Radio Free Acton: Gerard Lameiro on Renewing America’s Heritage of Freedom
Gerard Lameiro speaks at the 2014 Acton Lecture Series Earlier this month, Acton ed Gerard Lameiro to the Mark Murray Auditorium to deliver a lecture as part of the fall 2014 Acton Lecture Series. He spoke on the topic of “Renewing America and Its Heritage of Freedom,” which also happens to be the title of his latest book. Following his lecture, I sat down with Lameiro to discuss his thoughts on the gradual loss of freedom we’ve experienced in the...
Houston Mayor to Pastors: On Second Thought, Let’s Forget About Those Subpoenas
Earlier this month the city of Houston sent out a subpoena to five area pastors demanding to see: All speeches, presentations, or sermons related to HERO, the Petition, Mayor Annise Parker, homosexuality, or gender identity prepared by, delivered by, revised by, or approved by you or in your possession. Houston mayor Annise Parker even appeared to support the measure, saying on her Twitter account, “If the 5 pastors used pulpits for politics, their sermons are fair game. Were instructions given...
‘Work Is A Good Thing For Man’
I was transfixed by this video the other day. The simplicity of the video itself, the careful, skillful work, the lovely hands of a master at work – all brought to mind the goodness of work and creation that God granted to us. St. John Paul II, in his encyclical Laborem Exercens (On Human Work) says this: It is not only good in the sense that it is useful or something to enjoy; it is also good as being something...
Samuel Gregg: The Envy-Inequality Nexus
Acton’s Director of Research, Sam Gregg, ponders “Envy In A Time Of Inequality” in today’s American Spectator. Envy, he opines, is the worst human emotion. From the time that Cain killed Abel to today’s “near-obsession with inequality,” Gregg says envy is driving public policy…and that’s not good. The situation isn’t helped by the sheer looseness of contemporary discussions of economic inequality. Inequality and poverty, for instance, aren’t the same things. That, however, doesn’t stop people from conflating them. Likewise, important...
7 Figures: Family Structure and Economic Success
Family structure is one of the most significant, though oft-overlooked, factors that affect the economic fortunes of Americans. A new study from AEI titled “For Richer or Poorer” documents the relationships between family patterns and economic well-being in America and shows how radically it can affect e. Here are seven figures you should know from the study: 1. The growth in median e of families with children would be 44 percent higher if the United States enjoyed 1980 levels of...
Italian Edition of ‘The Good That Business Does’ Launched in Rome
Italian edition of “The Good That Business Does” by Robert G. Kennedy (Fede e Cultura, 2014) On Oct. 23, before a capacity-audience at the Pontifical University of the Holy Cross, the Acton Institute and Italian publishing house Fede e Cultura launched Robert G. Kennedy’s Il bene che fanno gli affari (original title “The Good That Business Does,” Acton, 2006, Christian Social Thought Series). The pontifical university’s research center, Markets, Culture and Ethics, acted as co-sponsor with its vice academic director...
Abraham-Parousia: Part 3 of Kuyper’s ‘Common Grace’ Now Available
Christian’s Library Presshas now released the third part in its series of English translationsof Abraham Kuyper’s most famous work,Common Grace, a three-volume work of practical public theology. This release,Abraham-Parousia, is the third and final part of Volume 1: The Historical Section, following Part 1 (Noah-Adam) and Part 2 (Temptation-Babel). Common Grace (De gemeene gratie)was originally published in 1901-1905 while Kuyper was prime minister. This new translation offers modern Christians a great resource for understanding the vastness of the gospel message,...
Buy A Baby And We’ll Throw In Citizenship For Free!
The Obama administration has created a policy wherein foreigners who purchase a baby via an American surrogate will be able to claim U.S. citizenship for the child. According to the Daily Caller: The fertility clinics will be able to pocket the profits, after granting access to American education, health, welfare and retirement services to the foreign children and the foreign parents. The giveaway is plished by a surprise change in regulations, which redefined the term “mother” to include women who...
Related Classification
Copyright 2023-2026 - www.mreligion.com All Rights Reserved