Par un modele aussi simple que possible, nous essayons de capturer les raisons pour lesquelles plus de 40 millions d'Americains (Hellander et al., 1995) renoncent a s'assurer contre la maladie. Nous utilisons ensuite notre modele pour evaluer les effets qu'aurait eue l'introduction , prevue dans...

We study how optimal contracts are modified when the agent has the possibility to acquire information before the contract is offered to him. We consider a situation in which this information is always available to the agent just before producing. Therefore, prior information acquisition is...

Preventive care should be subsidized in traditional insurance contracts since policyholders ignore the benefit of their prevention choice on the insurance premium (Ellis and Manning, 2007 JHE). We study participating policies as risk-sharing agreements among policyholders who decide how much to...

This paper proposes a model which intends to analyse the alternative between discrimination and mutualisation in insurance. We suppose there exists an observable (but initially hidden)variable, that predicts the level of risk of an individual. This variable can be observed through a testing...

Proliferation is a strategic behavior which follows various logics: the wish for pre-emption is one of these but does not stand alone. Far from it. However, the literature associates almost systematically the question of proliferation to that of pre-emption, in such a way that the interest in...

In this paper we show how the order of Linear Stochastic Dominance proposed by Gollier (1995) can be applied to situations with dependent risky assets.