The purpose of this paper is to compare the cost efficiency of private and public property insurance providers in … measurement errors and apply the model to a data set on 19 firms in housing insurance markets in Switzerland. We show that the … public insurance providers are about 20 per cent more cost efficient than their private counterparts. …

that the donor may be sure to get a tax benefit. We interpret this function as insurance and test the option to insure … donations in the lab. Our participants indeed have a positive willingness to pay for insurance against either risk. Yet the … insurance option is only critical for their willingness to donate to a charity if the uncertainty affects the proper use of …

partial insurance of parental investments against permanent income shocks, but the magnitude of the estimated responses is … small. We cannot reject the hypothesis full insurance against temporary shocks. Another interpretation of our findings is … that there is very little insurance available, but the fact that skill is a non-separable function of parental investments …

partial insurance of parental investments against permanent income shocks, and we cannot reject the hypothesis full insurance … 10% of family income leads, at most, to an increase in investments of 1.3% of a standard deviation. -- insurance ; human …

This paper empirically analyzes moral hazard in car insurance using a dynamic theory of an insuree's dynamic risk (ex …

In complex insurance contracts, individuals can use sophisticated strategies to avoid out-of-pocket expenses … them. Depending on this correlation, sophistication can lead to advantageous or adverse selection, and selection may differ …

Health systems are facing pressures that were hard to imagine a few decades ago when most national systems were … health care and improvement of health outcomes. Many countries in the world have embraced health reforms to cope with this … situation. The American Continent is very active in this effort. From Canada to Chile, countries are reforming their health care …

levels of exclusion. Pairing our framework with hospital and insurance demand estimates from Ho and Lee (2017), we compare …

predictions based on comparative static analysis. Our empirical study considers the demand for health insurance, and empirical …We explore the effects that optimism bias has on the demand for insurance. Our theory is based on a simple binomial … model of the demand for insurance in which consumers make optimistically biased assessments concerning the likelihood of …

In the health insurance marketplaces established by the Affordable Care Act (ACA), eachstate is divided into a set … number of geographic “rating areas.” The ACA mandates that aninsurer price its health insurance plan uniformly in all …