the effects of medical insurance and competition in the guise of free choice of physician, including observability of … whether he was perhaps overtreated. We find that with insurance, moral hazard looms on both sides of the market: patients … found to partially offset the adverse effects of insurance: most patients seek treatment, but overtreatment is moderated. …

stylized way, we study the effects of medical insurance and competition in the guise of free choice of physician. Medical … overtreated. We find that with insurance, moral hazard looms on both sides of the market: patients consult more often and … adverse effects of insurance: most patients seek treatment, but overtreatment is moderated. …

-side price mechanisms in health insurance design work similarly for low-income and higher-income individuals. We also find that …

insurance system on the entry rate into entrepreneurship. In Germany, the public health insurance system is mandatory for most … paid employees, but not for the selfemployed, who usually buy private health insurance. Private health insurance … these dimensions and if membership in the public health insurance allows other family members to be covered by contribution …

We analyze the extent to which private defensive litigation insurance deters patent assertion by non …-practicing entities (NPEs). We study the effect that a patent-specific defensive insurance product, offered by a leading litigation … defensive litigation insurance on the behavior of patent enforcers and accused infringers. We show that the availability of …

-term health insurance constitutes an alternative to community-rated short-term contracts with an individual mandate. In this paper …, we study the German long-term health insurance (GLTHI) from a life-cycle perspective. The GLTHI is one of the few real …-world long-term health insurance markets. We first present and discuss insurer regulation, premium setting, and the main market …