-side price mechanisms in health insurance design work similarly for low-income and higher-income individuals. We also find that … cost sharing have higher levels of health care spending, controlling for past health care use. We estimate demand … elasticities of total health care spending among this low-income population of approximately -0.12, suggesting that demand …

risk. This paper focuses on the transmission of sovereign risk to insurance companies as some of the largest institutional … investors in the sovereign bond market. We use a firm level panel dataset that covers large insurance companies, banks and non … reflected in current insurance regulation (incl. upcoming Solvency II in Europe). …

would provide more insurance if based on lifetime instead of annual earnings. Requiring wealthy individuals to repay social … assistance received when younger would strengthen the insurance and redistributive functions of social assistance. …

lifetime tax reform linking annual taxes to previous employment could improve the system's insurance capabilities, albeit at …

data to examine whether landowning and landless elites differ in the extent to which they support health infrastructure … health-promoting public goods improves with the political influence of the landless elite. We also provide evidence for two … health of the poor. Finally, we illustrate that the relevance of these two channels differs for those health-related public …

We analyze the extent to which private defensive litigation insurance deters patent assertion by non …-practicing entities (NPEs). We study the effect that a patent-specific defensive insurance product, offered by a leading litigation … defensive litigation insurance on the behavior of patent enforcers and accused infringers. We show that the availability of …