We investigate risk selection between public and private health insurance in Germany. With risk-rated premiums in the private system and community-rated premiums in the public system, advantageous selection in favor of private insurers is expected. Using 2000 to 2007 data from the German Socio-Economic Panel Study (SOEP), we find such selection. While private insurers are unable to select the h...

Although health insurance exchanges are a growing source of individual coverage, little is known about consumer behavior on these exchanges. While health insurance exchanges are intended to facilitate competition among insurers and make it easier for consumers to access insurance, understanding how consumers choose insurance plans is necessary for the design of these markets. We characterize de...

The introduction of health insurance Marketplaces under the Affordable Care Act has been associated with growth of restricted provider networks. The value of this plan design strategy, including its association with lower premiums, is uncertain. We used data from all silver plans offered in the 2014 health insurance exchanges in the fifty states and the District of Columbia to estimate the asso...

How realistic are proposals to expand the financing of Canadian health care through private insurance, either in a parallel stream or an expanded supplementary tier? Any successful business requires that revenues exceed expenditures. Under a voluntary health insurance plan those at highest risk would be the most likely to seek coverage; insurers working within a competitive market would have to...

A new wave of state and federal legislation affecting mental health insurance was passed during the 1990s. Although patient advocacy groups have hailed the passage of numerous parity laws, it is unclear whether this activity represents a major improvement in insurance benefits or significantly increases access to mental health care. We investigated this issue with data from two new national stu...

We develop a model to analyze parallel public and private health-care financing under two alternative public sector rationing rules: needs-based rationing and random rationing. Individuals vary in income and severity of illness. There is a limited supply of health-care resources used to treat individuals, causing some individuals to go untreated. Insurers (both public and private) must bid to o...

The design of the Affordable Care Act's online health insurance Marketplaces can improve how consumers make complex health plan choices. We examined the choice environment on the state-based Marketplaces and HealthCare.gov in the third open enrollment period. Compared to previous enrollment periods, we found greater adoption of some decision support tools, such as total cost estimators and inte...

Aperiod of changes in what had previously been public health insurance began in Slovenia in 1992. A new legislation introduced amixedpublic-private insurance, the share ofGDPallocated for health care insurance inSlovenia equaled theEUaverage, and the financing of the public health insurance has been balanced up – until now. For the first time since Slovenia gained independence, the compulsory h...

Three big risks for hospitals under healthcare reform are: The inevitable deficit reduction initiatives beginning in FFY12. The estimated one-third increase in Medicaid enrollment. The dramatic increase in regulation of private health insurance.