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 of the health care utilization models indicate...

We specify a model for the lifetimes of spouses and the dynamic evolution of health, allowing spousal death to have causal effects on the health and mortality of the survivor. We estimate the model using a longitudinal survey that traces many health status aspects over time, and that is linked...