Diese Dissertation untersucht die Regulierung von Krankenversicherungsmärkten und dabei insbesondere Risikoausgleichssysteme (wie z.B. den deutschen Risikostrukturausgleich), die dazu dienen, Risikoselektion durch Krankenversicherungen zu reduzieren oder gar zu verhindern. Im 2. Kapitel der...

We explore the possibility that a systematic relationship exists between employment within a particular type of contract and risk preference. We exploit a set of proxies for risk preference, whereby some of the proxies capture risk loving behaviour (expenditure on gambling, smoking and alcohol)...

Objective. To evaluate the role of health plan benefit design and price on consumers' decisions to purchase health insurance in the nongroup market and their choice of plan.Data Sources and Study Setting. Administrative data from the three largest nongroup insurers in California and survey data...

Obtaining health insurance through an employer pools risk, but may lead to moral hazard, where employees with more coverage seek care valued below cost, and adverse selection, where the unhealthy choose more generous plans, driving up premiums. In the first essay, I model the decision to choose...

The expansion of Medicare benefits to include coverage for prescription drug (Part D) is the largest since the program's inception. The benefit is delivered through private insurers competing for beneficiaries by offering a variety of options and features. Understanding preferences of...

In 1948, the Communist Party finally defeated the Czechoslovak government over the next few years and adapted the Czechoslovak economy to the other countries of the USSR over the next few years. On the basis of this was also nationalized the health care, which passed to Semashko model of...

This paper offers in-depth look at the convenient care/retail clinic industry in the context of today’s changing medical landscape with specific focus on Texas-based RediClinic. In addition to a detailed analysis of RediClinic, this paper proposes detailed advertising, marketing and social...

This dissertation examines skilled immigration in the context of labor and health economics. The research focuses on the high-skilled labor market, whereas previous studies either treat all immigrants as a homogeneous group or focus on the low-skilled. The first essay investigates the wage...

Each year the number of uninsured individuals in the United States continues to grow. This unfortunate occurrence creates negative consequences for those who are uninsured, but also for those who are covered by health insurance plans. Through cost-shifting practices, hospitals and other...

I examine the problem of writing guaranteed renewable health insurance in the presence of medical spending growth. Prior research suggests that the growth and difficulty in forecasting future medical costs is an impediment to multiperiod health insurance, where contract reserves are used to...