OnApril 1, 2002, the Japanese government lifted a blanket guarantee of all deposits and began limiting the coverage of time deposits. This paper uses this deposit insurance reform as a natural experiment to investigate the relationship between deposit insurance coverage and market discipline. I find that the reform raised the sensitivity of interest rates on deposits, and that of deposit quanti...

This historical analysis shows that in the years just prior to the Affordable Care Act's expansion of health insurance coverage, black and Hispanic working-age adults were far more likely than whites to be uninsured, to lack a usual care provider, and to go without needed care because of cost. Among insured adults across all racial and ethnic groups, however, rates of access to a usual provider...

Ongoing economic losses by and exposure of humans to highly pathogenic avian influenza (HPAI) in poultry flocks across Asia and parts of Africa and Europe motivate also outbreak-free countries such as Switzerland to invest in preparedness planning. Country-specific population data on between-farm contacts are required to anticipate probable patterns of pathogen spread. Information is scarce; in...

OBJECTIVES To examine quantitatively the effects of an increase in patient copayments from 10% to 20% on the demand for medical services in Japan. METHODS The subjects of the study were the employees insured by the 1,797 health insurance societies, belonging to the National Federation of Health Insurance Societies, in 1996 and 1998. Indicators of medical service demands analyzed include the i...

OBJECTIVES To investigate relationships between serum lipids and all-cause mortality in an insured population issued policies at standard rates using contemporary analytic techniques. BACKGROUND As with other preferred risk factors, differences in lipid profiles can be an important contributor to morbidity and mortality endpoints in the general and insured population. To better understand the...

The importance of a consistent and comprehensive milking routine as a critical component of any mastitis control program is well documented. However, as pressure on time increases, farmers are faced with 3 options: (1) adjust the milking routine to suit the time available, (2) undertake the task less thoroughly, or (3) examine which elements of the milking routine can be automated and substitut...

Workers’ compensation provides insurance against job-related injuries, but as many as half of injured workers choose not to file. A common explanation for this is the existence of private health insurance, an alternative source of health care that may discourage insured workers from taking the time to file a workers’ compensation claim. However, data from the NLSY paint a surprising picture: un...