data, I then show that this type of demand heterogeneity is empirically relevant in a consumer health plan setting. Younger … and older consumers and men and women reveal strikingly different demand for health insurance, conditional on their …

hospital-insurer bargaining over premiums and reimbursements, household demand for insurance, and individual demand for …

unpredictable (and unobservable) fluctuations in demand for life insurance as well as changes in risk type (observable) over … individuals' lifetimes. The presence of demand type heterogeneity leads to the possibility that optimal GR contracts may have a … whose type turns out to be high risk but low demand renew more of their GR insurance than is efficient due to the attractive …