We implement an empirical test for selection into health insurance using changes in coverage induced by the … introduction of mandated health insurance in Massachusetts. Our test examines changes in the cost of the newly insured relative to … those who were insured prior to the reform. We find that counties with larger increases in insurance coverage over the …

model. We compare health insurance coverage, premiums, and insurer average health claim expenditures between Massachusetts … health insurance, we find that premiums and average costs decreased significantly in response to the individual mandate …; consistent with an initially adversely selected insurance market. We are also able to recover an estimated willingness-to-pay for …

. I focus on the individual health insurance market, which includes plans purchased through exchanges as well as plans … me to estimate the welfare impact of the ACA on participants in the individual health insurance market in each state. I …

characterize the compensating differential for employer-sponsored health insurance (ESHI) -- the causal change in wages associated … reform was less than 5% of what it would have been if the government had instead provided health insurance by levying a tax …

Home equity insurance policies, policies insuring homeowners against declines in the price of their homes, would bear … some resemblance both to ordinary insurance and to financial hedging vehicles. A menu of choices for the design of such … insurance company in effect serves as a retailer to homeowners of short positions in real estate futures markets or of put …

insurance markets, where risk perceptions are endogenous. …

. As an example, we present applications of affective decision-making in insurance markets, where the risk perceptions of …

. As an example, we present applications of affective decision-making in insurance markets, where the risk perceptions of …

's deliveries are the same at all pools. The Rothschild-Stiglitz model of insurance is included as a special case. We show that by …

's deliveries are the same at all pools. The Rothschild-Stiglitz model of insurance is included as a special case. We show that by …