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Retiree Health Insurance for Public School Employees: Does it Affect Retirement?

Fitzpatrick, Maria D. - CESifo - 2013

Despite the widespread provision of retiree health insurance for public sector workers, little attention has been paid to its effects on employee retirement. This is in contrast to the large literature on health-insurance-induced “job-lock” in the private sector. I use the introduction of...

Persistent link: https://www.econbiz.de/10010877641

Health Values, Preference Inconsistency, and Insurance Demand

Wrede, Matthias - CESifo - 2005

Several empirical studies provide evidence that their actual health state affects people’s attitudes towards health and medical care in hypothetical health states. In the tradition of behavioural economics this paper considers the actual health state as a point of reference and builds a model...

Persistent link: https://www.econbiz.de/10005406000

Efficient Transfer of Aging Provisions in Private Health Insurance

Meier, Volker - CESifo - 2003

In long-term private health insurance contracts, aging provisions are used to flatten premium profiles. An individual would like to change insurers if she perceives a low service quality. The first-best optimum is characterized by provision transfers which are higher for high risks and may be...

Persistent link: https://www.econbiz.de/10005406102

Transferable Ageing Provisions in Individual Health Insurance Contracts

Baumann, Florian; Meier, Volker; Werding, Martin - CESifo - 2004

We consider lifetime health insurance contracts in which ageing provisions are used to smooth the premium profile. The stock of capital accumulated for each individual can be split into two parts: a premium insurance and an annuitised life insurance, where the latter would be transferable...

Persistent link: https://www.econbiz.de/10005406229

Universal Coverage on a Budget: Impacts on Health Care Utilization and Out-Of-Pocket Expenditures in Thailand

Limwattananon, Supon; Neelsen, Sven; O'Donnell, Owen; … - CESifo - 2013

We estimate the impact on health care utilization and out-of-pocket (OOP) expenditures of a major reform in Thailand that extended health insurance to one-quarter of the population to achieve universal coverage while keeping health spending below 4% of GDP. Identification is through comparison...

Persistent link: https://www.econbiz.de/10010665044

Do Cost-sharing and Entry Deregulation Curb Pharmaceutical Innovation?

Grossmann, Volker - CESifo - 2011

This paper examines the role of both cost-sharing schemes in health insurance systems and entry regulation for pharmaceutical R&D expenditure, drug prices, aggregate productivity, and income. The analysis suggests that both an increase in the coinsurance rate and stricter price regulations...

Persistent link: https://www.econbiz.de/10009020095

Job Lock: Evidence from a Regression Discontinuity Design

Fairlie, Robert W.; Kapur, Kanika; Gates, Susane - CESifo - 2015

Employer-provided health insurance may restrict job mobility, resulting in “job lock.” Previous research on job lock finds mixed results using several methodologies. We take a new approach to examine job-lock by exploiting the discontinuity created at age 65 through the qualification for...

Persistent link: https://www.econbiz.de/10011257676

Using Bankruptcy to Reduce Foreclosures: Does Strip-down of Mortgages Affect the Supply of Mortgage Credit?

Li, Wenli; Tewari, Ishani; White, Michelle - CESifo - 2014

We assess the credit market impact of allowing mortgage “strip-down” as a foreclosure-prevention measure, where strip …-term reduction in mortgage interest rates and a small, short-term increase in mortgage approval rates, but no long-term effects, and … the circuit court decisions did not consistently affect mortgage terms. These results suggest that strip-down would be an …

Persistent link: https://www.econbiz.de/10010877889

Optimal Risk-Sharing in Mortgage Contracts: The Effects of Potential Prepayment and Default

Brueckner, Jan K.; Lee, Kangoh - CESifo - 2014

Much of the literature on the economics of mortgage markets has studied the FRM-ARM choice made by individual borrowers … of optimal risk-sharing in mortgage contracts. But since only a small literature has studied this question, more research …’s (1986a) model, using it to characterize optimal contracts in the absence of mortgage termination, and then exploring how …

Persistent link: https://www.econbiz.de/10010948814

The Child Adoption Marketplace: Parental Preferences and Adoption Outcomes

Skidmore, Mark; Anderson, Gary; Eiswerth, Mark - CESifo - 2011

In the United States child adoption costs vary considerably, ranging from no out-of-pocket expense to $50,000 or more. What are the causes for the variability in adoption expenses? We administered a survey to a sample of Michigan adoptive families to link adoptive parent characteristics, child...

Persistent link: https://www.econbiz.de/10009645231