-term care insurance (LTCI). This paper proposes a quantitative equilibrium optimal contracting model of the LTCI market that … features screening along the extensive margin. Frail and/or poor risk groups are ordered a single contract of no insurance that …

As climate risk escalates, property insurance is critical to reduce the risk exposure of households and firms and to … parcel-level wildfire risk, together with insurance premiums derived from insurers' regulatory filings, to investigate how … insurance is priced and provided in a large market for homeowners insurance. We document striking variation in insurers' risk …

Health insurance is increasingly provided through managed competition, in which subsidies for consumers and risk …

in their willingness-to-pay for insurance conditional on the insured losses they generate. Using administrative claims … and older consumers and men and women reveal strikingly different demand for health insurance, conditional on their … across insurance contracts. The theoretical and empirical analysis highlights a fundamental trade-off between equity and …

study is on determining whether a lack of health insurance significantly impacted vaccination propensities. If it is indeed … the case that a lack of health insurance mattered, this would be informative for policymakers since they tried to address … vaccines were made available free of cost to the public in the United States, irrespective of their insurance status. A policy …

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 use data on households' deductible choices in auto and home insurance to estimate a structural model of risky choice …

.3%-0.4%. Mandatory insurance regimes in Europe absorb the negative short-run effect of a flood, while the National Flood Insurance … ; insurance ; dynamic panel GMM …