Malani, Anup; Kinnan, Cynthia; Conti, Gabriella; Imai, … - 2024
trial that randomized premiums and subsidies for India's first national, public hospital insurance program, RSBY. We find … roughly 60% uptake even when consumers were charged premiums equal to the government's cost for insurance. We also find … substantial adverse selection into insurance at positive prices. Insurance enrollment increases insurance utilization, partly due …