We explore demand for insurance in a setting where nonparticipation has been com-mon: health insurance. We present a … stylized model of insurance demand in which consumers make optimistically-biased assessments about future health outcomes. The … standard model would predict participation unless insurance is too costly. Our analysis additionally suggests that households …

Provider cost-control incentives have become an important part of the health insurance landscape in the United States … a fixed amount regardless of the spending they generate. Using a sample of insurance claims from about 500 plans, I find … that in HMOs, spending on anti-cholesterol drugs is 19% lower than in other insurance plans. This spending difference could …

predictions based on comparative static analysis. Our empirical study considers the demand for health insurance, and empirical …We explore the effects that optimism bias has on the demand for insurance. Our theory is based on a simple binomial … model of the demand for insurance in which consumers make optimistically biased assessments concerning the likelihood of …

mainly builds upon OECD Health Data 2011. We measure changes in the funding mix since 1972 as its distance from a funding mix … processes in NHS and social insurance countries and ongoing switch-over-processes between these two healthcare system types …

factor to capture trend and uncertainty. We estimate the model parameters using U.S. Health and Retirement Study (HRS) data … application in costing of government funded aged care and pricing and risk management of LTC insurance products …

Over the last two decades, the Peruvian government has made great efforts to improve access to health care by … significantly augmenting the coverage of the non-contributory public health care system Seguro Integral de Salud (SIS). This … expansion has a positive impact on welfare and public health indicators, as it limits the risk of catastrophic health …

the nation's poor health based on a flawed diagnosis: lack of insurance. We presume that more care means better care; that … insurance or cheaper policies. Rather, I suggest that the root-cause underlying the poor health statistics is more complex than …The political solution to our health crisis appears to be an expanded health coverage program, perhaps universal and …