Background Type 1 diabetes (T1D) management exerts a considerable financial burden on patients, caregivers, and developing nations at large. In Ghana, a key governments effort to attenuate the financial burden of T1D on patients was to fashion safety-net mechanisms through financial risk...

The examination of the causal impact of health insurance coverage on healthcare utilisation is a critical endeavour in both academic research and policy formulation. However, this endeavour faces challenges, notably the endogenous selection into coverage and prevalent misreporting of coverage...

Amidst growing concerns over heightened natural disaster risks, this study pioneers an inquiry into the causal impacts of cyclones on the demand for private health insurance (PHI) in Australia. We amalgamate a nationally representative longitudinal dataset with historical cyclone records,...

Objective We aim in this study to investigate the association between access to health care services and various components of universal health coverage in Morocco, controlling for socioeconomic, demographic, and cultural factors. Data and methods The study employed a logistic regression method...

Background Universal health coverage means that all people can access essential health services without incurring financial hardship. Even in countries with good service coverage and financial protection, the progress towards universal health coverage may decelerate or be limited with respect to...

Background Chargemaster prices are the list prices that providers and health systems assign to each of their medical services in the US. These charges are often several factors of magnitude higher than those extended to individuals with either private or public insurance, however, these list...

When to claim Social Security benefits is an important financial decision for seniors, and Medicaid expansion provides new incentives with which to study claiming. Expansion could ultimately delay or hasten claiming, depending on employment changes and income-driven incentives. Within those...

In markets for credence goods - such as health care or repair services - fraudulent behavior by better informed experts is a common problem. Our model studies how four common features shape experts' provision behavior in credence goods markets: (i) diagnostic uncertainty of experts; (ii)...

In markets for credence goods – such as health care or repair services – fraudulent behavior by better informed experts is a common problem. Our model studies how four common features shape experts’ provision behavior in credence goods markets: (i) diagnostic uncertainty of experts; (ii)...

In markets for credence goods - such as health care or repair services - fraudulent behavior by better informed experts is a common problem. Our model studies how four common features shape experts' provision behavior in credence goods markets: (i) diagnostic uncertainty of experts; (ii)...

Leaving no one behind is a central promise of the 2030 Agenda for Sustainable Development, which recognizes health as a fundamental human right. Achieving Universal Health Coverage (UHC) is key to delivering on this promise. UHC ensures that everyone receives good quality health services, when...

Objective Universal health coverage (UHC) is a major pathway to save many people from catastrophic and impover‑ ishing healthcare spending and address the inequality in health and healthcare. The objective of this paper is to assess the efciency with which health systems in sub-Saharan Africa...

We study the welfare effects of offering choice over coverage levels—“vertical choice”—in regulated health insurance markets. We emphasize that heterogeneity in the efficient level of coverage is not sufficient to motivate choice. When premiums do not reflect individuals' costs, it may...

The United States spends substantially more on health care than most developed countries, yet leaves a greater share of the population uninsured. We suggest that incremental insurance expansions focused on addressing market failures will propagate inefficiencies and are not likely to facilitate...

We study the effect of the Affordable Care Act's Medicaid expansion on coverage dynamics following the sudden loss of coverage from an employer plan. This analysis leverages novel administrative data capturing monthly health insurance coverage for the U.S. population. Using these data, we...

This paper examines the interaction of state and federal dependent health coverage mandates on young adult educational enrollment using data from the October Supplement of the Current Population Survey, and a Differences-in-Differences style model model. State mandates preceding the Affordable...

Retired households, especially those with high lifetime income, decumulate their wealth very slowly, and many die leaving large estates. The three leading explanations for the 'retirement savings puzzle' are the desire to insure against uncertain lifespans and medical expenses, the desire to...

Retired households, especially those with high lifetime income, decumulate their wealth very slowly, and many die leaving large estates. The three leading explanations for the "retirement savings puzzle" are the desire to insure against uncertain lifespans and medical expenses, the desire to...

The ACA provided funding to help states expand Medicaid eligibility. Expansions in Medicaid eligibility, however, could "crowd out" private insurance coverage. To estimate the extent of such crowd out, I use a difference-in-difference empirical approach, examining changes in health insurance...

In this study, I examine the effects of the Affordable Care Act Medicaid expansion on the labor supply decisions of non-disabled, low-educated, childless adults ages 50-64. I employ a triple-differences (DDD) methodology, exploiting variation in individuals’ health insurance status and the...

Low insurance take-up in low-income populations is not easily explained by the standard single-period expected utility model of insurance that overlooks the relevance of time preference when liquidity is constrained. We design field survey instruments to elicit quasi-hyperbolic time preferences,...

In the United States, most labor force participants have health insurance plans sponsored and subsidized by their employers. The Affordable Care Act (ACA) improved and expanded the availability of non-employer-based health insurance, with protections for pre-existing conditions, guaranteed...

On March 11, 2020, the World Health Organization declared COVID-19 a pandemic. In the subsequent two years, U.S. businesses filed well over 2,000 lawsuits in state and federal courts seeking Business Interruption (BI) insurance coverage for closures associated with the pandemic. Notwithstanding...

The optimal amount of property/land title insurance coverage under both the Torrens and Recording systems remains controversial and this article introduces decision models and shows that the optimal title insurance evolves as market and property-specific conditions change. The models can also be...