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 …