PURPOSE To better understand the relationship between health insurance coverage and health care behaviors of persons with potentially disabling conditions enrolled in a state high-risk insurance pool. DESIGN Six focus groups with risk pool enrollees at two sites. SETTING Suburban areas in the state of Kansas. PARTICIPANTS Forty-two individuals 29 to 62 years, all with potentially disablin...

In France, public health insurance is universal but incomplete, with private payments accounting for roughly 25% of all spending. As a result, most people have supplemental private health insurance. We investigate the effects of such insurance on the utilization of physician services using data from the 1998 Enquête sur la santé et la protection sociale, a nationally representative survey of th...

This paper analyzes the impact of biased beliefs on the structure of informational equilibria in classical self-selection models. Using the intuitive insurance market example of Rothschild-Stiglitz (1976) I show that biases of high-risk individuals have fundamentally different effects on equilibrium contracts than biases of low-risk individuals. Whereas equilibrium contracts of both groups are ...

Small firms that offer health insurance to their employees may face variable premiums if the firm hires an employee with high-expected health costs. To avoid expensive premium variability, a small firm may attempt to maintain a workforce with low expected health costs. In addition, workers with high-expected health costs may prefer employment in larger firms with health insurance rather than in...

The residential earthquake insurance of 2002 created additional protected residential earthquake insurance plan, under which residential earthquake insurance is available to individuals from insurance industry in Taiwan. Earthquake damages that occurrence in Taiwan remain largely uninsured losses despite the efforts of governmental and private insurance programs. Spatial Econometrics has been r...

Air transport system has always been involved in all aspects of life because of its high potential in transporting passengers and goods. In this research we surveys the effects of travel variables on demand of domestic air transport, and for gathering required information from passengers, a questionnaire was designed including 20 effective parameters on air transport demand with questions These...

Can measured risk attitudes and associated structural models predict insurance demand? In an experiment (n = 1730), we elicit measures of utility curvature, probability weighting, loss aversion, preference for certainty use them to parameterize seventeen common (e.g., expected utility, cumulative prospect theory). Subjects also make 12 choices over different probabilities prices. The show coher...