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The ACA requires insurers to provide cost-sharing reductions (CSRs) to low-income consumers on the marketplaces. We link 2013-2015 All-Payer Claims Data to 2004-2013 administrative hospital discharge data from Utah and exploit policy-driven differences in the value of CSRs that are solely...
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We use data on households' deductible choices in auto and home insurance to estimate a structural model of risky choice …. Our main findings are robust to a variety of modeling assumptions. -- deductible ; loss aversion ; probability weighting …
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We use data on insurance deductible choices to estimate a structural model of risky choice that incorporates "standard … important role in explaining the aversion to risk manifested in deductible choices. This finding is robust to allowing for …
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