Several chronic diseases are more severe in persons who are Black, of low socioeconomic status (SES), and underinsured. The authors ask if this is true for sarcoidosis. Associations among sarcoidosis disease severity, SES, insurance coverage, and functional limitations were analysed. Back and White sarcoidosis patients (n=110) of a municipal and university hospital sarcoidosis registry were int...

The purpose of this research is to discuss Japanese financial instability and both private life insurance and public life insurance (Kampo) demand. At the same time, we also consider Kampo’s main role and what Kampo should be as an insurance service provider in the future. From empirically estimating private life insurance and Kampo demand functions using household-level data provided by the Po...

Swiss-CHAT’s playful approach to public rationing can be considered in terms of deliberative process design as well as in terms of health policy. The process’ forced negotiation of trade-offs exposed unexamined driving questions, and challenged prevalent presumptions about health care demand and about conditions of public reasoning that enable transparent rationing. While the experiment provide...

The commitment to public health insurance for children has increased in recent years, leading to two potentially contradictory concerns for public policy: that expanded availability of public insurance may lead families to decline private insurance for their children and that the additional public coverage may not reach many children without insurance. We use data from the 1987-1993 Surveys of ...

H ealth insurance premiums rise with the generosity of the benefit package. Both public and private sector policymakers are interested in making less-costly health insurance available by offering a bare-bones benefit package.This analysis develops several alternative insurance policies that would cost 30 percent less than a current basic benefit plan and examines the implications of these polic...

a r t i c l e i n f o This paper presents a vertical and horizontal product differentiation model that explains price dispersion among different kinds of health care insurance firms. Our model shows large insurance firms engaging in price competition with small mutual organizations that serve only a local area and charge lower premiums. We found that, although the market allows the entry of an ...

This article deals with the role of insurance for damages from catastrophic events. Prior to the attack of September 11, 2001, insurers typically provided coverage for losses from terrorism and those from almost all other causes. These causes were thought by the industry to be of sufficiently low probability and were not a reason for making changes in premiums, underwriting, or reserves. In tim...

Most government employees have access to retiree health coverage, which provides them with group health coverage even if they retire before Medicare eligibility. We study the impact of retiree health coverage on the labor supply of public sector workers between the ages of 55 and 64. We find that retiree health coverage raises the probability of stopping full time work by 4.3 percentage points ...

The Australian hospital system is characterized by the co-existence of private hospitals, where individuals pay for services and public hospitals, where services are free to all but delivered after a waiting time. The decision to purchase insurance for private hospital treatment depends on the trade-off between the price of treatment, waiting time, and the insurance premium. Clearly, the potent...

I ran Insurance Company intends to raise its financial credit and render enhanced services to the insured and the public. The need to meet financial obligations arising from the claims requires determination of the optimum deposited claims reserve with banks. Therefore, the present research study aimed at finding the loss ratio (incurred losses to premiu...