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

We provide a nonparametric revealed preference approach to demand analysis based on homothetic efficiency … homothetic efficiency of consumption choices. It generalises Heufer's (2013) two-dimensional concept to arbitrary dimensions and …

the education/health gradient. I am also able to rule out occupational hazards and health insurance coverage as …This paper estimates the health returns to education, using data on identical twins. I adopt a twin … both education and health. I further investigate to what extent within-twin-pair differences in schooling correlates with …

causal effect of undernourishment on later-life health. We develop a Two-Sample Instrumental Variable (TSIV) estimator that …'s effect on later life health found in previous studies. We also find that exposure to famine-induced hunger early in life … leads to worse health among females fifty years later. This effect is much larger than the reduced-form effect found in …

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. …

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 …

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 …

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 …