measure of underinsurance will underestimate the number with low levels of insurance coverage due to moral hazard. We propose … small- versus large-firm workers with full-year, employer-sponsored insurance. Using data from the 2005 Medical Expenditure …

of health insurance. We show that any innovation worth buying reduces overall risk, thereby generating positive insurance … technologies and calculate that insurance value on average adds 100% to the conventional valuation of those treatments. Moreover … pose and the corresponding value of health insurance that insures this financial risk. Our analysis also suggests standard …

We analyze the value of insurance when individuals have access to credit markets. Loans allow consumers to smooth … financial shocks over time, decreasing the value of consumption smoothing from insurance. We derive formulas for the value of … insurance that can be taken to data, and show how that value depends on individual characteristics and features of loans. We …

religious organization are able to insure their consumption stream against income shocks and find strong insurance effects for … services are able to insure their stream of happiness against income shocks and find strong happiness insurance effects for … alternative form of insurance for both whites and blacks though the mechanism by which religious organizations provide insurance …

their happiness, adjusted for numerous demographic and economic variables. Satisfaction among married individuals increases … most with additional time spent with spouse. Among singles, satisfaction decreases most as more time is spent alone …

relative marginal utilities not only for happiness and life satisfaction, but also for aspects related to family, health …

The continued rise in the number of non-elderly Americans without health insurance has led to considerable interest in … tax-based policies to raise the level of insurance coverage. This paper describes a detailed microsimulation model that … insurance coverage. I find that while tax subsidies could significantly increase insurance coverage, even very generous tax …

By 1992, pensions and retiree health insurance represented one quarter of the wealth of families on the verge of … of the increase in pension values and in the value of retiree health insurance plans was due to improvements in real …

We estimate the impact of employer-provided health insurance (EPHI) on the job mobility of males over time using a … about possible distortions in labor mobility stemming from an employment-based health insurance system: a few authors find … from the National Longitudinal Survey of Youth which describes the health insurance an individual holds, as well as whether …