Malani, Anup; Kinnan, Cynthia; Conti, Gabriella; Imai, … - 2024
trial that randomized premiums and subsidies for India's first national, public hospital insurance program, called RSBY. We … for insurance. We also find substantial adverse selection into insurance at positive prices. Insurance enrollment … increases insurance utilization, partly due to spillovers from use of insurance by neighbors. However, healthcare utilization …