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Full-Text Articles in Insurance

Only Too Human: Understanding Health Insurance Markets When Consumers Lack Information, Jonathan T. Kolstad Sep 2014

Only Too Human: Understanding Health Insurance Markets When Consumers Lack Information, Jonathan T. Kolstad

Penn Wharton Public Policy Initiative

When the state and federal health insurance exchanges were introduced in 2013, much attention was paid to the logistics of their launch. Nearly a year later, policymakers should now be looking at a different question: how can we collect and use data from the exchanges to understand how consumers think about insurance choice, so as to make the exchanges function better?


Options Facing Congress In Renewing The Terrorism Risk Insurance Act, Howard Kunreuther, Erwann Michel-Kerjan Jul 2014

Options Facing Congress In Renewing The Terrorism Risk Insurance Act, Howard Kunreuther, Erwann Michel-Kerjan

Penn Wharton Public Policy Initiative

The Terrorism Risk Insurance Act (TRIA) is set to expire at the end of 2014 and is currently under debate in Congress. Renewing TRIA may limit the amount of disaster relief the federal government would contribute after a terrorist attack, but the different options under which TRIA might be renewed carry implications for how losses from any attack would be spread between commercial policyholders, insurers, and taxpayers.