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The Link between Public and Private Insurance and Hiv-Related Mortality

Bhattacharya, Jay; Goldman, Dana P.; Sood, Neeraj - 2021

As policymakers consider expanding insurance coverage for HIV+ individuals, it is useful to ask if insurance has any affect on health outcomes; and, if so, whether public insurance is as efficacious as private insurance in preventing premature deaths among HIV+ patients. Using data from a...

Persistent link: https://www.econbiz.de/10013219281

Does Public Insurance Crowd Out Private Insurance?

Cutler, David M.; Gruber, Jonathan - 2021

One popular option for health care reform in the U.S. is to make particular groups, such as children, eligible for public health insurance coverage. A key question in assessing the cost of this option is the extent to which public eligibility will crowd out the private insurance coverage of...

Persistent link: https://www.econbiz.de/10013226992

Moral Hazard and Claims Deterrence in Private Disability Insurance

Autor, David H. - 2012

We provide a detailed analysis of the incidence, duration and determinants of claims made on private Long Term Disability (LTD) policies using a database of approximately 10,000 policies and 1 million workers from a major LTD insurer. We document that LTD claims rates are much lower than claims...

Persistent link: https://www.econbiz.de/10013104731

Stemming the Tide? The Effect of Expanding Medicaid Eligibility on Health Insurance

Shore-Sheppard, Lara D. - 2021

Despite considerable research, there is little consensus about the impact of Medicaid eligibility expansions for low-income children. In this paper, I reexamine the expansions' impact on Medicaid take-up and private insurance "crowd-out." Focusing on the most influential estimates of the...

Persistent link: https://www.econbiz.de/10013232024

Risk-Based Pricing and Risk-Reducing Effort : Does the Private Insurance Market Reduce Environmental Accidents?

Yin, Haitao - 2009

This paper examines whether risk-based pricing promotes risk-reducing effort. Such mechanisms are common in private …

Persistent link: https://www.econbiz.de/10013158694

The Equilibrium Effects of Information Deletion : Evidence from Consumer Credit Markets

Liberman, Andres - 2018

This paper studies the equilibrium effects of information restrictions in credit markets using a large-scale natural experiment. In 2012, Chilean credit bureaus were forced to stop reporting defaults for 2.8 million individuals (21% of the adult population). Using panel data on the universe of...

Persistent link: https://www.econbiz.de/10012910306

Optimal Taxation and Social Insurance with Endogenous Private Insurance

Chetty, Raj - 2013

This paper characterizes the welfare gains from redistributive taxation and social insurance in an environment where the private sector provides partial insurance. We analyze stylized models in which adverse selection, pre-existing information, or imperfect optimization in private insurance...

Persistent link: https://www.econbiz.de/10012753423

Rules Rather than Discretion : Lessons from Hurricane Katrina

Kunreuther, Howard - 2012

-managed expenditures following a catastrophe and to provide appropriate protection against the risk of those large losses which do occur … ex post expenditures, we consider the option of mandatory comprehensive private disaster insurance with risk based rates …

Persistent link: https://www.econbiz.de/10012755470

Looking Beyond Tria : A Clinical Examination of Potential Terrorism Loss Sharing

Kunreuther, Howard; Michel-Kerjan, Erwann - 2021

The Terrorism Risk Insurance Act of 2002 (TRIA) established a public-private program to cover commercial enterprises … against foreign terrorism on US soil. It was a temporary measure to increase the availability of risk coverage for terrorist … modifications of TRIA will transfer an even larger part of the risk to the private sector. We also show that if TRIA were made …

Persistent link: https://www.econbiz.de/10013310248

Unemployment Insurance Savings Accounts

Feldstein, Martin S.; Altman, Daniel - 2021

We examine a system of Unemployment Insurance Saving Accounts (UISAs) as an alternative to the traditional unemployment insurance system. Individuals are required to save up to 4 percent of wages in special accounts and to draw unemployment compensation from these accounts instead of taking...

Persistent link: https://www.econbiz.de/10013210594