We document a large and persistent anomaly in the UK car insurance market over the period 2012-13: insurance companies … charged a higher premium for third-party (liability) insurance than comprehensive insurance (which includes third … that consumers are too confused or too poorly informed to arbitrage and that sellers of car insurance do not implement the …

insurance. For this we specify and estimate dynamic models for health insurance decisions and health care utilization. Estimates …

The employer-sponsored life insurance (ESLI) market is particularly susceptible to adverse selection due to community …

We characterize how public insurance schemes are constrained by hidden financial transactions. When non …-exclusive private insurance entails increasing unit transaction costs, public transfers are only partly offset by hidden private … of insurance on unobservable effort and saving choices as well as the relative cost of public and private insurance …

that considers both diagnostic uncertainty of sellers and the effects of insurance coverage of consumers in a unified … uncertainty decreases the rate of efficient service provision and leads to less trade. In theory, insurance also decreases the … net effect on welfare. In the experiment, the net effect of insurance coverage on efficiency turns out to be positive. We …

We study the factors that predict medical malpractice ("med mal") insurance premia, using national data from Medical … across states at a given time and within states across time. Our results suggest that insurance companies do not fully adjust …

Disability Insurance (DI) may affect workers' outcomes such as their probability to enter DI, to recover, and their … employment. Supplementary insurance may increase these moral hazard effects, but also increases the financial gains of private … increased insurance coverage on workers' outcomes are thus ambiguous. This paper aims to separate worker and insurer responses …

This high-stakes experiment investigates the effect on buyers of mandatory disclosures concerning an insurance policy … trusting plays an important role. Trust is clearly associated with greater willingness to pay for insurance. Unlike in previous … of breach is negligible. However, as for much B2C insurance marketing, face-to-face selling plays a crucial role in our …

We present robust evidence on the presence of adverse selection in hospitalization insurance for low-income households …. Bundling insurance policies at the household or higher levels almost eliminates adverse selection, thus mitigating its welfare … consequences and creating the possibility for sustainable insurance supply …

. We examine the effect of this unisex mandate on risk segmentation in the German health insurance market. While gender … used to be a pricing factor in Germany's private health insurance (PHI) sector, it was never used as a pricing factor in … the social health insurance (SHI) sector. The unisex mandate makes PHI relatively more attractive for women and less …