We study how inertia interacts with market power and adverse selection in managed competition health insurance markets. We use consumer-level data to estimate a model of the California ACA exchange, in which four firms dominate the market and risk adjustment is in place to manage selection. We...

Implementation of the Affordable Care Act (ACA) has been linked to an increase in the population covered by health insurance through expansions of the Medicaid program and revisions to private health insurance markets. We add to the body of literature on unintended consequences of the ACA by...

Publicly subsidized private health insurance markets in the United States were created under the assumption that competition would maximize consumer welfare. However, consumers in these markets are willing to pay thousands of dollars to stay in the same health plan, even after accounting for...

The Extended Medicare Safety Net (EMSN) in Australia was designed to provide financial assistance to patients with high out-of-pocket (OOP) costs for medical treatment. The EMSN works on a calendar year basis. Once a patient incurs a specified amount of OOP costs, the EMSN provides additional...

A distinctive feature of the health insurance market in the US is the restriction of group insurance availability to the workplace. This has a number of important implications for the functioning of the labor market, through mobility from job-to-job or in and out of the labor force, wage...

Many studies have attempted to investigate the drivers of preventive behaviour. This study contributes to this strand of literature by examining the association between higher insurance deductibles in the Swiss health system and preventive behaviour that allows for maintaining a good diet,...

This study investigates the prevalence and severity of job immobility induced by the provision of employer-sponsored health insurance - a phenomenon known as 'job-lock'. Using data from the National Longitudinal Survey of Youth from 1994 to 2010, job-lock is identified by measuring the impact of...