Health insurance can protect consumption from health shocks, but it can also crowd out informal transfers. This paper examines whether health insurance improves consumption smoothing in the face of health shocks, and to what extent results depend on households' access to informal transfers as a...

This paper develops a model of healthcare demand to study healthcare choices in resource-limited settings with poor health indicators, especially for women. Using data from rural Nigeria on individual illnesses and injuries as well as the entire portfolio of locally available providers, we...