This paper empirically analyzes moral hazard in car insurance using a dynamic theory of an insuree's dynamic risk (ex …

consumption insurance. Based on insights from a theoretical model, we propose a new test to detect advance information, which … to a significant overestimation of consumption insurance and even more so at the bottom of the wealth distribution. …

the context of consumer demand. In connection with these results, we interpret Afriat’s (1973) critical cost efficiency … index (CCEI) as a measure of cost (in)efficiency, in the sense that a consumer is spending more money than is required to …

reform that permitted Dutch health insurers and hospitals to freely negotiate prices for elective procedures. Unlike previous … selection bias in our setting to identify the effect on quality of non-acute hip replacements. Using administrative data on all …

Regulation fostering Managed Care alternatives in health insurance is spreading. This work reports on an experiment … social health insurance. -- health insurance ; health care ; regulation ; preference measurement ; discrete choice …-Care type restrictions in the provision of health care. It finds that restrictions on the freedom of physician choice would …

for statutory social health insurance is estimated in two ways: first, using a linear utility function; and second, using … ; Preference Measurement ; Health Insurance ; Model Specification …

markets with small initial loss sizes, insurers may try to raise these in order to create demand for insurance. After having … defined insurance and non-insurance markets based on the initial loss size, we develop theory to show that insurers with buyer … power have incentives to create insurance markets. Insurer competition will push their profits to zero but markets do not …

studies how the system of health care provision affects the allocation of patients to physicians when physicians differ in … altruism. We show that allowing for private provision of health care, parallel to (free) treatment in a National Health Service …

We investigate the presence of moral hazard and advantageous or adverse selection in a market for supplementary health … insurance. For this we specify and estimate dynamic models for health insurance decisions and health care utilization. Estimates … for advantageous selection, largely driven by heterogeneity in education, income and health preferences. Finally, we show …