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CHAPTER 2. HEALTH PLAN CHOICE 111 Figure 2.3: Contributions and Bids Relative to Integrated HMO -50 0050 50 100 150 200 -50 0050 50 100 150 200 -50 0050 50 100 150 200 -50 0050 50 100 150 200 Employee Plus Spouse Employee Plus Spouse Network PPO Network PPO Network HMO Network HMO Integrated POS Integrated POS Y=X Incremental Contribution Incremental Contribution Incremental Bid Incremental Bid -50 200 Incremental Contribution 0 50 100 150 -50 -50 0 Employee 50 100 Network PPO Integrated POS 200 150 100 50 0 -50 150 200 -50 Incremental Bid Employee Plus Spouse 0 50 Network HMO Notes: Incremental Contribution and Incremental Bid are relative to Integrated HMO. In Employee Plus Spouse, numbers are divided by two for comparability. Y=X 100 150 200
CHAPTER 2. HEALTH PLAN CHOICE 112 Figure 2.4: Employer Contributions and Employee Characteristics 0.2 .2 .4 .6 .8 .81 1Beta Beta .5 .51 1.5 2 2.5 Risk Score Risk Score 00.2 .2 .4 .6 .8 .81 1Beta Beta 1 1.2 1.4 1.6 1.8 22Risk Score Risk Score 00.2 .2 .4 .6 .8 .81 1Beta Beta 20000 30000 40000 50000 60000 Income 00.2 .2 .4 .6 .8 .81 1Beta Beta 00500 500 1000 1500 Number of employees Number of employees 0 Beta Risk Employee versus Score versus Employee Risk Beta Score Employee Plus Spouse Beta Employee Plus Spouse Beta versus Risk Score versus Risk Score Mean Beta versus Income Mean Beta versus Income Mean Beta versus Firm Size Mean Beta versus Firm Size Employee Beta versus Risk Score 1 .8 Beta .4 .6 .2 0 1 .8 Beta .4 .6 .2 0 .5 20000 1 30000 1.5 Risk Score Mean Beta versus Income 40000 Income 2 50000 2.5 60000 1 .8 Beta .4 .6 .2 0 1 .8 Beta .4 .6 .2 0 0 Employee Plus Spouse Beta versus Risk Score 1 1.2 1.4 1.6 Risk Score 500 1000 Number of employees 1.8 Mean Beta versus Firm Size Notes: Each point represents a firm-year. Beta is the incremental pass-through of bids. See text for details. Employee Beta versus Risk Score plots the beta for employees against their mean risk score. Employee Plus Spouse Beta versus Risk Score plots the beta for those in employee plus spouse plans against their risk score. Scatter plots for other coverage tiers look similar. Mean Beta versus Income plots the mean beta (across coverage tiers) against mean employee income. Mean Beta versus Firm Size plots the mean beta (across coverage tiers) against the number of employees in the firm. Separate scatter plots by coverage tier look similar. 2 1500
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ESSAYS IN PUBLIC FINANCE AND INDUST
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I certify that I have read this dis
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insurance choice. Among other thing
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Acknowledgements I am deeply thankf
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Contents Preface iv Acknowledgement
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2.5.3 The Value of Plan Choice ....
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List of Tables 1.1 Asset Exemption
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4.9 First Week Contract Spending fo
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4.3 I.T. Contracting by Week ......
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CHAPTER 1. BANKRUPTCY 2 of the dead
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CHAPTER 1. BANKRUPTCY 4 relevant le
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CHAPTER 1. BANKRUPTCY 6 superficial
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CHAPTER 1. BANKRUPTCY 8 After treat
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CHAPTER 1. BANKRUPTCY 12 newly edit
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CHAPTER 1. BANKRUPTCY 15 bound of t
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CHAPTER 1. BANKRUPTCY 20 or coverag
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CHAPTER 1. BANKRUPTCY 22 homestead
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CHAPTER 1. BANKRUPTCY 24 log seizab
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CHAPTER 1. BANKRUPTCY 26 on the bas
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CHAPTER 1. BANKRUPTCY 28 to seizabl
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CHAPTER 1. BANKRUPTCY 31 CARA utili
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CHAPTER 1. BANKRUPTCY 33 Puzzle 3:
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CHAPTER 1. BANKRUPTCY 35 of income
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CHAPTER 1. BANKRUPTCY 40 TaxSim pro
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Payments CHAPTER 1. BANKRUPTCY 42 $
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OOP payments CHAPTER 1. BANKRUPTCY
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ln(seizable sssets) CHAPTER 1. BANK
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50 60 70 80 90 100 Insurance covera
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Pr(WTP > premium) CHAPTER 1. BANKRU
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CHAPTER 1. BANKRUPTCY 52 Table 1.1:
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Page 134 and 135: Chapter 3 Private Coverage and Publ
Page 136 and 137: CHAPTER 3. MEDIGAP 119 be of intere
Page 138 and 139: CHAPTER 3. MEDIGAP 121 hazard for i
Page 140 and 141: CHAPTER 3. MEDIGAP 123 have benefit
Page 145 and 146: CHAPTER 3. MEDIGAP 128 We use boots
Page 147 and 148: CHAPTER 3. MEDIGAP 130 of costs and
Page 149 and 150: CHAPTER 3. MEDIGAP 132 policy that
Page 151 and 152: CHAPTER 3. MEDIGAP 134 3.6.2 Causal
Page 153 and 154: CHAPTER 3. MEDIGAP 136 3.6.3 Robust
Page 155 and 156: CHAPTER 3. MEDIGAP 138 calculated u
Page 157 and 158: CHAPTER 3. MEDIGAP 140 (10000,11000
Page 159 and 160: CHAPTER 3. MEDIGAP 142 Table 3.2: S
Page 161 and 162: CHAPTER 3. MEDIGAP 144 Table 3.4: H
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CHAPTER 4. YEAR-END SPENDING 163 4.
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CHAPTER 4. YEAR-END SPENDING 165 or
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CHAPTER 4. YEAR-END SPENDING 167 ha
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CHAPTER 4. YEAR-END SPENDING 169 It
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CHAPTER 4. YEAR-END SPENDING 172 To
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CHAPTER 4. YEAR-END SPENDING 175 0.
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CHAPTER 4. YEAR-END SPENDING 177 Th
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CHAPTER 4. YEAR-END SPENDING 179 to
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CHAPTER 4. YEAR-END SPENDING 181 Co
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CHAPTER 4. YEAR-END SPENDING 183 Fi
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CHAPTER 4. YEAR-END SPENDING 185 Sp
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CHAPTER 4. YEAR-END SPENDING 187 Ta
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