for private insurance in the world: life insurance. We report several findings that seem difficult to reconcile with the … conventional theory of insurance under asymmetric information. We conjecture that sellers may know their costs of production better …

We use employee-level panel data from a single firm to explore the possibility that individuals may select insurance … coverage in part based on their anticipated behavioral ("moral hazard") response to insurance, a phenomenon we label "selection … high-deductible health insurance option. (JEL D82, G22, I13, J32) …

insurance. Using a randomized control trial in Karnataka, India, we evaluate the impact on loan renewal from mandating the … purchase of actuarially-fair health insurance covering hospitalization and maternity expenses. Bundling loans with insurance … microfinance than pay higher interest rates and receive insurance. In a Pyrrhic victory, the total absence of demand for health …

This paper investigates consumer inertia in health insurance markets, where adverse selection is a potential concern …. We leverage a major change to insurance provision that occurred at a large firm to identify substantial inertia, and …

data from Massachusetts, we estimate the parameters of the model. In the individual market for health insurance, we find …

This paper studies the influence of the legal environment and economic conditions on the form taken by life insurance …