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Working Paper
Health insurance and precautionary saving
Working Paper
Our money or your life : indemnities vs. deductibles in health insurance
When the value of a medical treatment differs across individuals, it may be socially beneficial to treat some, but not all, patients. If individuals are ignorant of their health status ex ante, they should be willing to purchase insurance fully covering treatments for high-benefit patients (Hs) and denying treatment for low-benefit patients (Ls). But if prognoses are observable but not verifiable, insurers may have trouble denying care to Ls. Deductibles force Ls to reveal their status by imposing a marginal cost on treatment, but at a price of incomplete risk-sharing. Lump-sum indemnities ...
Journal Article
The uneven distribution of health insurance
Working Paper
Estimates of the effect of FAS 106 on corporate earnings
Journal Article
Legislative update : The mixed bag of Medicare drug coverage
Working Paper
Union Effects on Health Insurance Provision and Coverage in the United States
Since Freeman and Medoff’s (1984) comprehensive review of what unions do, union density in the U.S. has fallen substantially. During the same period, employer provision of health insurance has undergone substantial changes in extent and form. Using individual data from various supplements to the Current Population Survey and establishment data from the 1993 Robert Wood Johnson Foundation survey, we investigate the effects of unionization on employer provision of health benefits. We find that in addition to increasing coverage by employer-provided health benefits, unions reduce employee cost ...
Journal Article
Health insurance trends point to an increase in uninsured children in New York and New Jersey
Between 1988 and 1997, the percentage of children in New York and New Jersey receiving public health insurance increased modestly, while the percentage of children with private insurance showed a sharp decline. The net effect of these changes has been a marked rise in the share of Second District children without any health insurance.
Briefing
Small employers and expanded health insurance coverage
New England states have been national leaders in developing and enacting health insurance programs. But as the new laws play out on real ground, various constituencies are seeing real or perceived devils in the detail of the expansion laws. For one group in particular?small employers?efforts to extend coverage have become a two-edged sword.