with effort-determined probability. We show that if insurance against a negative shock is sufficiently incomplete, then … standard functional form restrictions ensure that individual objective functions are optimized by an effort and insurance … combination that is unique and satisfies first- and second-order conditions. Modeling insurance incompleteness in terms of costly …

We develop a new approach to quantify how patients respond to dynamic incentives in health insurance contracts with a … deductible. Our approach exploits two sources of variation in a differences-in-regression-discontinuities design: deductible … deductible by 100 Euros leads to a reduction in healthcare spending of around 3% on the first days of the year and 6% at the …

Disability Insurance (DI) may affect workers' outcomes such as their probability to enter DI, to recover, and their … employment. Supplementary insurance may increase these moral hazard effects, but also increases the financial gains of private … increased insurance coverage on workers' outcomes are thus ambiguous. This paper aims to separate worker and insurer responses …

adults in the statutory health insurance. Individuals covered by private health insurance as well as youths have been …

I investigate in this paper partial equilibrium labor supply responses to unemployment insurance (UI) in the US. I use …

We investigate the relationship between life cycle wages and individual membership of unemployment insurance schemes in … Denmark. We separate permanent from transitory wages and characterise them using membership of unemployment insurance funds …. We find that unemployment insurance is associated with lower wage growth heterogeneity over the life cycle and greater …