منابع مشابه
Consumers' misunderstanding of health insurance.
We report results from two surveys of representative samples of Americans with private health insurance. The first examines how well Americans understand, and believe they understand, traditional health insurance coverage. The second examines whether those insured under a simplified all-copay insurance plan will be more likely to engage in cost-reducing behaviors relative to those insured under...
متن کاملConsumers' Knowledge about their Health Insurance Coverage
This paper describes how much families know about their health insurance coverage and investigates whether consumer education and simplified benefit structures would improve knowledge. Families' perceptions about their insurance benefits were measured in two household surveys administered in six sites. Knowledge was assessed by comparing families' responses with policy data collected from the c...
متن کاملEvolving Choice Inconsistencies in Choice of Prescription Drug Insurance.
We study choice over prescription insurance plans by the elderly using government administrative data to evaluate how these choices evolve over time. We find large "foregone savings" from not choosing the lowest cost plan that has grown over time. We develop a structural framework to decompose the changes in "foregone welfare" from inconsistent choices into choice set changes and choice functio...
متن کاملfactor affecting choice of pistachio supplemental insurance options in rafsanjan
crop insurance is one of the best strategies to tackle farm risks and encourage producers to adopt modern production technologies. in present study, a sample of 224 insured and uninsured pistachio growers was selected for interview and collected required data using a simple random sampling method. then a logit multinomial model was used to assess factors affecting the choice of supplemental ins...
متن کاملPortfolio Choice and Life Insurance
Portfolio Choice and Life Insurance We study a class of portfolio choice problems that combine life insurance and labor income, within the optimal control framework pioneered by Merton (1969, 1971). Our model differs from previous research by (i) focusing attention on the correlation between human capital and financial capital, and (ii) modeling the utility of the family as opposed to separatin...
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ژورنال
عنوان ژورنال: The Journal of Finance
سال: 1953
ISSN: 0022-1082
DOI: 10.2307/2976401