correlation in their assets (health, wealth, wisdom, i.e. skills), causing them to demand a great deal of insurance coverage …. Insurers on the other hand eschew positively correlated risks. It can be shown that insurance contributes to a reduction of … insurance. Analyzing deviations from trend in aggregate insurance payments, one finds the following for the United States and …

We consider environmental risks that are evaluated too much heavy for a single insurance company, but they can be …

This paper sheds light on some unexpected consequences of health insurance regulation that may pose a big challenge to … insurers’ risk management. Because mandated uniform contributions to health insurance trigger risk selection efforts risk … stays beyond three days, contrary to stated policy objectives also of the United States. -- Health insurance ; regulation …