We develop an empirical method to assess the generosity of employer-sponsored insurance across groups within the U.S. population. A key feature of this method is its simplicity - it only requires data on out-of-pocket (OOP) health care spending and total health care spending and does not require...

This paper illustrates the impact of moral hazard for estimating relative rates of underinsurance and to present an adjustment method to correct for this source of bias. Individuals or households are often classified as underinsured if out-of-pocket spending on medical care relative to income...

Human capital theory predicts that workers will be more likely to invest in job training the longer they expect to remain working. The author tests that prediction using data from the National Longitudinal Survey of Youth by examining the effect of the predicted probability of job turnover on...

Using multinomial probit estimates of the probability of job-to-job and job-to-nonemployment turnover, the author finds that differences between women's and men's turnover are due to the behavior of less educated women. Both the job-to-job and job-to-nonemployment turnover of less educated women...