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Full-Text Articles in Insurance
Risk Misperception And Selection In Insurance Markets: An Application To Demand For Cancer Insurance, David S. Hales
Risk Misperception And Selection In Insurance Markets: An Application To Demand For Cancer Insurance, David S. Hales
UNLV Theses, Dissertations, Professional Papers, and Capstones
Spinnewijn (2013) posits that optimism about risk and the efficacy of risk-reducing effort could cause selection in insurance markets. We test for this using a survey of 474 subjects’ demand for hypothetical cancer insurance. We elicit perceptions of baseline cancer risk and control efficacy and combine these with subject-specific cancer risks predicted by the Harvard Cancer Risk Index to develop measures of baseline and control optimism. We find that only 23 percent of our subjects would purchase a fair insurance contract aligned to their true risk type. Of these subjects, 94 percent also overinvest in prevention, leading to advantageous selection.
Balancing Act: Successfully Combining Creativity And Accountability In The Practice Of Marriage And Family Therapy, Nathalie Duque Bello
Balancing Act: Successfully Combining Creativity And Accountability In The Practice Of Marriage And Family Therapy, Nathalie Duque Bello
Department of Family Therapy Dissertations and Applied Clinical Projects
The conditions that allowed early MFTs the freedom to creatively explore different interventions and theories of change are no longer available in today’s mental health care system. Although there are many benefits to the structure of managed behavioral healthcare organizations, a thorough review of the literature demonstrates that many therapists working in managed care agencies struggle with maintaining their theoretical creativity, claiming third-party payers’ service requirements and paperwork a barrier to their creativity. A phenomenological transcendental research method was utilized to understand the phenomenon of successfully combining creativity and accountability in the practice of marriage and family therapy from the …