Banding Together to Lower the Cost of Health Care? An Empirical study of the Peak Health Alliance in Colorado [0.03%]
联合行动降低医疗成本吗？科罗拉多州高峰健康联盟实证研究
Mark K Meiselbach,Matthew D Eisenberg
Mark K Meiselbach
This paper evaluates the effectiveness of Peak Health Alliance, a public-private initiative in Colorado aimed at lowering health care costs for employers and enrollees by increased bargaining power through the formation of a health care pur...
Leora Friedberg,Wenliang Hou,Wei Sun et al.
Leora Friedberg et al.
About a quarter of long-term care insurance (LTCI) policy holders aged 65 let their policies lapse prior to death, forfeiting all benefits. We find that lapse rates are substantially higher among the cognitively impaired in the Health and R...
How do low-income enrollees in the Affordable Care Act marketplaces respond to cost-sharing? [0.03%]
平价医疗法案交易所中的低收入参保人如何应对共付费用？
Kurt Lavetti,Thomas DeLeire,Nicolas R Ziebarth
Kurt Lavetti
The Affordable Care Act requires insurers to offer cost sharing reductions (CSRs) to low-income consumers on the Marketplaces. We link 2013-2015 All-Payer Claims Data to 2004-2013 administrative hospital discharge data from Utah and exploit...
Effects of COVID-19 early release of pension funds: The case of Chile [0.03%]
新冠肺炎疫情下智利养老金的提前提取政策及影响分析
Miguel Lorca
Miguel Lorca
Amid the extraordinary economic effects of COVID-19, some policymakers have turned to retirement accounts to support individuals in financial hardship. Given the haste, the long-term impacts and their heterogeneity have scarcely been analyz...
Christian Gollier
Christian Gollier
Timothy F Harris,Aaron Yelowitz,Charles Courtemanche
Timothy F Harris
The profitability of life insurance offerings is contingent on accurate projections and pricing of mortality risk. The COVID-19 pandemic created significant uncertainty, with dire mortality predictions from early forecasts resulting in wide...
Advantageous Selection, Moral Hazard, and Insurer Sorting on Risk in the U.S. Automobile Insurance Market [0.03%]
优势选择、道德风险以及美国汽车保险市场中的保险公司按风险筛选客户行为
Frank A Sloan,Patricia A Robinson,Lindsey M Eldred
Frank A Sloan
This study quantifies the role of private information in automobile insurance policy choice using data on subjective beliefs, risk preference, reckless driving, the respondent's insurer and insurance policy characteristics merged with insur...
Does Limiting Allowable Rating Variation in the Small Group Health Insurance Market Affect Employer Self-Insurance? [0.03%]
有限责任范围内的小型团体健康保险市场影响雇主自保吗？
Erin Trish,Bradley Herring
Erin Trish
The Affordable Care Act (ACA) imposes adjusted community rating in the small group market, which employers can avoid by self-insuring, raising concerns about adverse selection. We evaluate the impact of limiting allowable rating variation o...
Framing and Claiming: How Information-Framing Affects Expected Social Security Claiming Behavior [0.03%]
信息呈现如何影响人们的预期社保领取行为研究
Jeffrey R Brown,Arie Kapteyn,Olivia S Mitchell
Jeffrey R Brown
This paper provides evidence that Social Security benefit claiming decisions are strongly affected by framing and are thus inconsistent with expected utility theory. Using a randomized experiment that controls for both observable and unobse...
The Private Market for Long-Term Care Insurance in the U.S.: A Review of the Evidence [0.03%]
美国长期护理保险私人市场的证据回顾
Jeffrey R Brown,Amy Finkelstein
Jeffrey R Brown
This paper reviews the growing literature on the market for private long-term care insurance, a market notable for its small size despite the fact that long-term care expenses are potentially large and highly uncertain. After summarizing lo...