This paper studies the design of health insurance with ex post moral hazard, when there is imperfect competition in the market for the medical product. Various scenarios, such as monopoly pricing, price negotiation or horizontal differentiation are considered. The insurance contract specifies...

Credence goods markets – like for health care or repair services – with their informational asymmetries between sellers and customers are prone to fraudulent behavior of sellers and resulting market inefficiencies. We present the first model that considers both diagnostic uncertainty of...

This paper investigates the impact of the Affordable Care Act’s (ACA’s) dependent coverage mandate on health insurance coverage rates and health care utilization among young adults. Using data from the Medical Panel Expenditure Survey, I exploit the discontinuity in health insurance coverage...

Through changing the connection between insurance and employment, the Affordable Care Act (ACA) has affected people's incentives to obtain education. We employ a triple-difference strategy comparing counties with different levels of uninsurance pre-ACA and in states with different Medicaid...

We use difference-in-difference methods and data from the 2008 Survey of Income and Program Participation to test whether the ACA dependent care provision is associated with family structure and public program participation among young adults. Findings indicate that implementation of the...

In this study, we test whether the Affordable Care Act's (ACA) dependent care provision is associated with young adults' propensity to be in the armed forces and to have military health insurance. We use a difference-in-difference (DD) approach, comparing the outcomes of young adults targeted by...

More than 18 percent of U.S. adults met the diagnostic criteria for a mental illness. Yet, many who could benefit from mental health care do not receive any treatment, mostly due to the inability to pay for care or lack of health insurance coverage. How does a sudden change in health insurance...