 MEDICAID EXPANSION: The ACA expanded Medicaid to all adults and children living at 138% of the Federal Poverty Level. Crucially, people with behavioral health conditions make up 28% of that population. In states that chose to expand Medicaid, millions of people with behavioral health conditions gained access to health insurance, including coverage of mental health and substance use disorder s...

kinetics of radical polymerizations of waterborne alkyd/acrylic hybrid resin via batch mini-emulsion technique was studied using redox initiators (tbhp/fe2+/edta/asac  and  tbhp/fe2+/edta/sfs) at relatively low temperatures and thermal initiators (bpo, kps and aibn) at higher temperatures to seek the most suitable initiator system. at the end of all reactions the unreacted monomer content was r...

We develop a model where a genetic test reveals whether an individual has a low or high probability of developing a disease. Testing is not mandatory, but agents have to reveal their test results to the insurers, facing a discrimination risk. A costly prevention effort allows agents with a genetic predisposition to decrease their probability to develop the disease. We study the individual decis...

s: This paper attempts to understand the outcomes when each party of the insurance contracts simultaneously has superior information to the other. We decompose the risk of a policyholder into a general risk and a specific risk. We assume that policyholders have superior information about specific risks while insurers have superior information about general risks. When each risk can be either hi...

While adverse selection is often blamed for ineffi ciently high insurance premiums, imperfect competition is also a pervasive feature of many health insurance markets. In Medicare Supplement insurance (Medigap), two firms control nearly three-fourths of the market and premiums exceed claims by thirty percent. I find that while adverse selection can restrain markups, a low price elasticity and c...