This study examines the determinants of demand for private health insurance in Ireland. Survey data commissioned by the Health Insurance Authority from 2009 to 2017 are used to estimate multivariate models of health insurance demand. The results show that older and sicker individuals are more...

We present robust evidence on the presence of adverse selection in hospitalization insurance for low-income households. A large randomized control trial from Pakistan allows us to separate adverse selection from moral hazard, to estimate how selection changes at different points of the demand...

Universal health coverage is a widely shared goal across lower-income countries. We conducted a large-scale, 4-year trial that randomized premiums and subsidies for India's first national, public hospital insurance program, RSBY. We find roughly 60% uptake even when consumers were charged...