public liability insurance should not prevent benefits from recent government policy changes being passed onto consumers. The …

Cost-sharing is regarded as an important tool to reduce moral hazard in health insurance. Contrary to standard … implications of different insurance designs. I find cost-sharing never to be an optimal solution as it produces two novel …

This article deals with the impact of Equal Treatment Law on the insurance of risks related to an HIV positive person … differentiations in insurance contracts are usually justifiable. In addition normally there is no unlawful treatment with regard to …

probability that private‐sector U.S. employers will offer health insurance. Using the Medical Expenditure Panel Survey Insurance … insurance will rise, driven by workers' desire to avoid the individual mandate penalty and the availability of premium tax … credits in exchanges. Our analyses also suggest that the average probability of an establishment offering insurance will …

medical insurance. We find that both the level and the shape of the distribution of risk are important in determining the … equilibrium quantity of insurance. Symmetric changes in risk (e.g., shifts in the price of medical care) better explain the … shifting insurance rate over time. Asymmetric changes (e.g., associated with a shifting age distribution) are not as important. …

We examine the impact of U.S. states’ adoption of the partnership long-term care (LTC) insurance program on households … of LTC insurance, and that those it generates are almost entirely by wealthy individuals. …

We report results from two surveys of representative samples of Americans with private health insurance. The first … examines how well Americans understand, and believe they understand, traditional health insurance coverage. The second examines … whether those insured under a simplified all-copay insurance plan will be more likely to engage in cost-reducing behaviors …

private voluntary insurance market. While there has been some debate heretofore about the link between the public and private … financing of health care there has been little discussion about the role of supplementary insurance within the private insurance … market. In the private health insurance market, mandatory community rating apply and this is supported by a system of risk …