The purpose of this paper is to compare the cost efficiency of private and public property insurance providers in … measurement errors and apply the model to a data set on 19 firms in housing insurance markets in Switzerland. We show that the … public insurance providers are about 20 per cent more cost efficient than their private counterparts. …

We explore the feasibility of catastrophic health insurance established in conjunction with individual health accounts … (IHAs). Under this plan, the employer establishes both a high-deductible health insurance plan and an IHA. Employee health … health insurance claims data from a large firm. We emphasize the balance in the IHA account at retirement. Although such a …

Moral hazard and adverse selection create inefficiencies in private health insurance markets. The authors use claims … attempted to estimate moral hazard in private health insurance by assuming that individuals respond only to the spot price, end …, economic intuition suggests that the nonlinear budget constraints generated by health insurance plans make these assumptions …

We investigate whether people enrolled into voluntary health insurance (VHI) substitute public consumption with private … the case of Italy, where a mixed insurance system is in place. To this purpose, we specify a joint model for public and … private specialist visits counts, and allow for different degrees of endogenous supplementary insurance coverage, looking at …

We investigate whether people enrolled into voluntary health insurance (VHI) substitute public consumption with private … the case of Italy, where a mixed insurance system is in place. To this purpose, we specify a joint model for public and … private specialist visits counts, and allow for different degrees of endogenous supplementary insurance coverage, looking at …

We investigate whether people enrolled into voluntary health insurance (VHI) substitute public consumption with private … the case of Italy, where a mixed insurance system is in place. To this purpose, we specify a joint model for public and … private specialist visits counts, and allow for different degrees of endogenous supplementary insurance coverage, looking at …

inconsistencies that arise when strategic pre-selection is not properly taken into account. We fi nd that patients defer to GPs when … present choice options based on quality, but as agents of health authorities also consider their financial implications. …