In many markets insurers are barred from price discrimination based on con- sumer characteristics like age, gender, and medical history. In this paper, I build on a recent literature to show why such policies are inefficient if consumers differ in their willingness-to-pay for insurance...

We describe three different extensive data sets on the Swiss market for basic health care insurance - a homogeneous product by construction. First, we provide descriptive statistics on market prices for period 2004-2010. Second, we present aggregated data on health plan choices made by Swiss...

"One of the major social policy issues facing the U.S. in the first decade of the 21st century is the large number of Americans lacking health insurance. This article surveys the major economic issues around covering the uninsured. I review the facts on insurance coverage and the nature of the...