essays in public finance and industrial organization a dissertation ...

More documents

Recommendations

Info

CHAPTER 1. BANKRUPTCY 15 bound of the effect of bankruptcy insurance on household financial risk. I use Relative Risk Scores to control for medical utilization. As I discuss in Section 1.4, controlling for utilization is important because the direction of the unconditional relationship between out-of-pocket payments and seizable assets in theoretically am- biguous. To control for utilization, I use the Relative Risk Score variable constructed using the RiskSmart Version 2.2 software created by DxCG Inc. 23 This software uses information on age, sex, and medical diagnoses to project expected medical utilization based on regression models developed by the company. Because the software does not use geographical information to project utilization, the Relative Risk Score is orthogonal to asset exemption laws and other state-level factors. 1.3.4 Insurance Premiums I conduct additional analysis using data on health insurance premiums in the indi- vidual market. In particular, I use data on premium quotes in each state that are listed on eHealthInsurance, a website that aggregates premium quotes from most of the major insurance providers. The data I use were collected in November, 2010. I collect premiums in each state for a 30-year-old non-smoking male. Because premiums quotes are zip code specific, the data are collected for a zip code randomly selected from the 10 most populous zip codes in the state. Along with premiums, I collect data on the insurance provider, plan brand name, deductible, coinsurance rate, and co-payment for a office visit. I define an insurance plan as all observations with the same insurer, brand name, deductible, coinsurance and co-payment. Table 1.14 shows basic summary statistics for the data. The data set covers 41 states and 1,891 plans. The mean premium is $103 per month, the mean deductible is $3,351, and the mean coinsurance rate is 15 percent. 23 See form HC-092 on the MEPS website for a full description of the construction of this variable.
Page 1 and 2: ESSAYS IN PUBLIC FINANCE AND INDUST
Page 3 and 4: I certify that I have read this dis
Page 5 and 6: insurance choice. Among other thing
Page 7 and 8: Acknowledgements I am deeply thankf
Page 9 and 10: Contents Preface iv Acknowledgement
Page 11 and 12: 2.5.3 The Value of Plan Choice ....
Page 13 and 14: List of Tables 1.1 Asset Exemption
Page 15 and 16: 4.9 First Week Contract Spending fo
Page 17 and 18: 4.3 I.T. Contracting by Week ......
Page 19 and 20: CHAPTER 1. BANKRUPTCY 2 of the dead
Page 21 and 22: CHAPTER 1. BANKRUPTCY 4 relevant le
Page 23 and 24: CHAPTER 1. BANKRUPTCY 6 superficial
Page 25: CHAPTER 1. BANKRUPTCY 8 After treat
Page 29: CHAPTER 1. BANKRUPTCY 12 newly edit
Page 34: CHAPTER 1. BANKRUPTCY 17 levels of
Page 38 and 39: CHAPTER 1. BANKRUPTCY 21 publicly i
Page 40 and 41: CHAPTER 1. BANKRUPTCY 23 and state
Page 42 and 43: CHAPTER 1. BANKRUPTCY 25 1.5.5 The
Page 44 and 45: CHAPTER 1. BANKRUPTCY 27 least debt
Page 46: CHAPTER 1. BANKRUPTCY 29 The final
Page 49 and 50: CHAPTER 1. BANKRUPTCY 32 compelling
Page 51 and 52: CHAPTER 1. BANKRUPTCY 34 For this e
Page 55: CHAPTER 1. BANKRUPTCY 38 education
Page 58 and 59: Percent by insurance status CHAPTER
Page 60 and 61: CHAPTER 1. BANKRUPTCY 43 Figure 1.3
Page 62 and 63: Simulated instrument CHAPTER 1. BAN
Page 64 and 65: CHAPTER 1. BANKRUPTCY 47 Figure 1.7
Page 66 and 67: CHAPTER 1. BANKRUPTCY 49 Coefficien
Page 68 and 69: CHAPTER 1. BANKRUPTCY 51 Insurance
Page 70 and 71: CHAPTER 1. BANKRUPTCY 53 Table 1.2:
Page 78 and 79: CHAPTER 1. BANKRUPTCY 61 Table 1.10
Page 80 and 81: CHAPTER 1. BANKRUPTCY 63 Table 1.12
Page 82 and 83:
Chapter 2 Pricing and Welfare in He
Page 84 and 85:
CHAPTER 2. HEALTH PLAN CHOICE 67 on
Page 86 and 87:
CHAPTER 2. HEALTH PLAN CHOICE 69 ri
Page 89 and 90:
CHAPTER 2. HEALTH PLAN CHOICE 72 ri
Page 91 and 92:
CHAPTER 2. HEALTH PLAN CHOICE 74 in
Page 93 and 94:
CHAPTER 2. HEALTH PLAN CHOICE 76 Be
Page 95:
CHAPTER 2. HEALTH PLAN CHOICE 78 an
Page 99 and 100:
CHAPTER 2. HEALTH PLAN CHOICE 82 2.
Page 101:
CHAPTER 2. HEALTH PLAN CHOICE 84 Pe
Page 106 and 107:
CHAPTER 2. HEALTH PLAN CHOICE 89 in
Page 108 and 109:
CHAPTER 2. HEALTH PLAN CHOICE 91 As
Page 110 and 111:
CHAPTER 2. HEALTH PLAN CHOICE 93 do
Page 112 and 113:
CHAPTER 2. HEALTH PLAN CHOICE 95 to
Page 114 and 115:
CHAPTER 2. HEALTH PLAN CHOICE 97 HM
Page 116 and 117:
CHAPTER 2. HEALTH PLAN CHOICE 99 th
Page 118 and 119:
CHAPTER 2. HEALTH PLAN CHOICE 101 F
Page 120 and 121:
CHAPTER 2. HEALTH PLAN CHOICE 103 T
Page 123 and 124:
Page 125 and 126:
Page 127 and 128:
Page 129 and 130:
Page 131:
CHAPTER 2. HEALTH PLAN CHOICE 114 1
Page 135 and 136:
CHAPTER 3. MEDIGAP 118 of a primary
Page 137 and 138:
CHAPTER 3. MEDIGAP 120 estimates, i
Page 139 and 140:
CHAPTER 3. MEDIGAP 122 3.2 Backgrou
Page 141:
CHAPTER 3. MEDIGAP 124 shows enroll
Page 146 and 147:
CHAPTER 3. MEDIGAP 129 Data and sum
Page 148 and 149:
CHAPTER 3. MEDIGAP 131 levels in th
Page 150 and 151:
CHAPTER 3. MEDIGAP 133 includes con
Page 152 and 153:
CHAPTER 3. MEDIGAP 135 of selecting
Page 154 and 155:
CHAPTER 3. MEDIGAP 137 from the bas
Page 156 and 157:
CHAPTER 3. MEDIGAP 139 al. (2007) h
Page 158 and 159:
CHAPTER 3. MEDIGAP 141 Table 3.1: M
Page 160 and 161:
CHAPTER 3. MEDIGAP 143 Table 3.3: M
Page 162 and 163:
CHAPTER 3. MEDIGAP 145 Table 3.5: F
Page 164 and 165:
CHAPTER 3. MEDIGAP 147 Table 3.7: T
Page 166 and 167:
CHAPTER 3. MEDIGAP 149 Table 3.9: P
Page 168 and 169:
CHAPTER 3. MEDIGAP 151 Table 3.11:
Page 170 and 171:
Chapter 4 Do Expiring Budgets Lead
Page 172 and 173:
CHAPTER 4. YEAR-END SPENDING 155 th
Page 174:
CHAPTER 4. YEAR-END SPENDING 157 on
Page 179 and 180:
CHAPTER 4. YEAR-END SPENDING 162 Fo
Page 181 and 182:
CHAPTER 4. YEAR-END SPENDING 164 ac
Page 183 and 184:
CHAPTER 4. YEAR-END SPENDING 166 An
Page 185 and 186:
CHAPTER 4. YEAR-END SPENDING 168 av
Page 187:
CHAPTER 4. YEAR-END SPENDING 170 Ta
Page 191 and 192:
CHAPTER 4. YEAR-END SPENDING 174 Re
Page 193 and 194:
CHAPTER 4. YEAR-END SPENDING 176 mo
Page 195 and 196:
CHAPTER 4. YEAR-END SPENDING 178 an
Page 197 and 198:
CHAPTER 4. YEAR-END SPENDING 180 or
Page 199 and 200:
CHAPTER 4. YEAR-END SPENDING 182 4.
Page 201 and 202:
CHAPTER 4. YEAR-END SPENDING 184 20
Page 203 and 204:
CHAPTER 4. YEAR-END SPENDING 186 Fi
Page 205 and 206:
Page 207 and 208:
Page 209 and 210:
Page 211 and 212:
Page 213 and 214:
Page 215:
show all

essays in public finance and industrial organization a dissertation ...

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?