more likely to have private health insurance. Larger winners are also more likely to drop coverage earlier, possibly after …We exploit lottery wins to investigate the effects of exogenous changes to individuals' income on health care demand in … the United Kingdom. This strategy allows us to estimate lottery income elasticities for a range of health care services …

Standard insurance models predict that people with high (health) risks have high insurance coverage. It is empirically … traditionally viewed as an intervention which increases efficiency and raises the utility of low health agents, we show that with a … documented that people with high income have lower health risks and are better insured. We show that income differences between …

We analyze exclusive contracts between health care providers and insurers in a model where some consumers choose to … then occurs in equilibrium. Under competitive insurance markets, the anticompetitive exclusive equilibrium survives … insurance markets exclusion is desirable as long as no provider is excluded by all insurers. …

In countries like the US and the Netherlands health insurance is provided by private firms. These private firms can … understood. Using a Dutch data set of about 700 group health insurance contracts over the period 2007-2008, we estimate a model …

We study optimal risk adjustment in imperfectly competitive health insurance markets when high-risk consumers are less … trade off between efficiency and consumer welfare. Reducing the difference in risk adjustment subsidies to high and low …-risk market. Finally, mandatory pooling can increase consumer surplus even further, at the cost of efficiency. …

providers differ in quality and costs. When buying health insurance, consumers observe neither provider quality nor costs. We …We provide a modeling framework to think about selective contracting in the health care sector. Two health care … derive an equilibrium where health insurers signal provider quality through their choice of provider network. Selective …

This paper compares the welfare effects of three ways in which health care can be organized: no competition (NC …

, the transition into DST deteriorates sleep and increases time stress, which in turn affects physical and emotional health …