One of the major problems of the U.S. health insurance market is that it leaves individuals exposed to reclassification … insurance contract only lasts for one year. A change in the health status can lead to a significant change in the health … insurance premium. We study how costly this reclassification risk is for the welfare of consumers. More specifically, we use a …

Two key components of the upcoming health reform are a reorganization of the individual health insurance market and an … income risks. We replicate the key features of the current health insurance system in the U.S. and calibrate the model using … smaller. This result is mostly driven by the fact that most uninsured people have low income. High burdens of health insurance …

A major source of insurance coverage for non-elderly adults in the US is employer-based health insurance market. Every … pool, and ii) employer-based insurance premiums become age-adjusted. To improve welfare outcome of this reform the tax …

Two key components of the upcoming health reform in the U.S. are a new regulation of the individual health insurance … expenses and labor income risks. We replicate the key features of the current health insurance system in the U.S. and calibrate …

? 2) Can the insurance-incentives trade-off of Medicaid be improved without changing the size of the redistribution in the … Survey Dataset to match the life-cycle patterns of employment and insurance take-up behavior as well as the key aggregate …