calibrated model of employer-sponsored health insurance, we show that the risk adjustment commonly used by employers to offset …

insurance, we show that the risk adjustment commonly used to offset adverse selection can reduce the amount of coverage and …

calibrated model of employer-sponsored health insurance, we show that the risk adjustment commonly used by employers to offset …

receive incomplete insurance from informal risk-sharing networks. We study the demand for, and effects of, offering formal … index-based rainfall insurance through a randomized experiment in an environment where the informal risk sharing network can … aggregate risk shows that informal networks lower the demand for formal insurance only if the network indemnifies against …