account (covering education and training), and a health account (covering insurance against sickness and disability). Unlike …, cushioning people against economic risk, ensuring efficient provision of health and education services, providing social safety …

This paper constructs a dynamic model of health insurance to evaluate the short- and long run effects of policies that … prevent firms from conditioning wages on health conditions of their workers, and that prevent health insurance companies from … charging individuals with adverse health conditions higher insurance premia. Our study is motivated by recent US legislation …