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Full-Text Articles in Economics
The Early Impact Of The Affordable Care Act State-By-State, Amanda E. Kowalski
The Early Impact Of The Affordable Care Act State-By-State, Amanda E. Kowalski
Cowles Foundation Discussion Papers
I examine the impact of state policy decisions on the early impact of the ACA using data through the first half of 2014. I focus on the individual health insurance market, which includes plans purchased through exchanges as well as plans purchased directly from insurers. In this market, at least 13.2 million people were covered in the second quarter of 2014, representing an increase of at least 4.2 million beyond pre-ACA state-level trends. I use data on coverage, premiums, and costs and a model developed by Hackmann, Kolstad, and Kowalski (2013) to calculate changes in selection and markups, which allow …
Is There Adverse Selection In The Life Insurance Market? Evidence From A Representative Sample Of Purchasers, Timothy Harris, Aaron Yelowitz
Is There Adverse Selection In The Life Insurance Market? Evidence From A Representative Sample Of Purchasers, Timothy Harris, Aaron Yelowitz
Aaron Yelowitz
This paper examines issues related to asymmetric information in the life insurance market using data that links life insurance holdings with death records for a representative sample of purchasers. Unlike earlier work that found mixed results using a narrow age cohort, this analysis finds no compelling evidence for adverse selection in a broad age cohort.