We examined trends in health insurance coverage among 36,999 HIV-infected adults in care at 11 US HIV clinics between 2006 and 2012. Aggregate health insurance coverage was stable during this time. The proportions of patient-years with private, Medicaid, Medicare, and no insurance during this period were 15.9%, 35.7%, 20.1%, and 28.4%, respectively. Medicaid coverage was more prevalent among wo...

Insurance for the poor, called microinsurance, has recently drawn the attention of practitioners in developing countries. However, there are common problems among the various schemes: (1) low take-up rates, (2) high claim rates, and (3) low renewal rates. In this paper, we investigate take-up decisions using household data collected in Karnataka, India, especially focusing on prospect theory, h...

We study the political economy of social insurance in a world where individuals di¤er in both income and risk. Social insurance is ...nanced through distortionary taxation and redistributes across income and risk. Individuals vote on social insurance which they can complement with insurance bought on the private market. Private insurance is actuarially fair but su¤ers from adverse selection whi...

This paper investigates how loss-aversion affects individuals' decisions on savings and insurance purchase. Specifically, this empirically tests if prospect theory's loss aversion decreases demand increases demand. Prospect theory predicts that boundedly rational consumers may view pure protection insurance, such as term-life a risky investment because the insured lose premiums bad event does n...

Background: One of the Healthy People (2020) goals related to the glycated hemoglobin (HbA1C) test is to increase the percentage of adults (aged 18 years and older) with diabetes who have had an HbA1C test at least twice in the past 12 months from 64.6% percent in 2008 to 71.1% by 2020. However, Texas has historically trailed behind several other states in achieving this goal. Targeted interven...

We exploit lottery wins to investigate the effects of exogenous changes to individuals' income on the utilization of health care services, and the choice between private and public health care in the United Kingdom. Our empirical strategy focuses on lottery winners in an individual fixed effects framework and hence the variation of winnings arises from within-individual differences in small ver...