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CHAPTER 1. BANKRUPTCY 49 Coefficient on ln(seizable assets) 9 8 7 6 5 4 3 2 1 0 Figure 1.9: Effect on Coverage on Samples Excluding Each State AK ALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY Excluded state Notes: Figure shows the coefficients and 95 percent confidence intervals from the baseline 2SLS specification excluding the indicated state. The specification is the same as column 6 of Table 1.3. The 95 percent confidence intervals are constructed using robust standard errors clustered at the state level. See the Table 1.3 note for more details.
Pr(WTP > premium) CHAPTER 1. BANKRUPTCY 50 Figure 1.10: Micro-Simulation Estimates of Percent Covered Without and With Bankruptcy Insurance by Deductible 70% 60% 50% 40% 30% 20% 10% 0% Pr(WTP without > premium) Pr(WTP with > premium) $- $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 Deductible Notes: Micro-simulation estimates of the probability the willingness to pay (WTP) exceeds the premium without and with bankruptcy by deductible level. Willingness to pay is calculated using CARA utility with parameter of 2.5 × 10 −5 . Premiums calculated as the expected value of medical costs above the deductible scaled up to account for moral hazard (elasticity of -0.22) and administrative loading (50 percent). Household-level estimates weighted by number of individuals per household for interpretation at the individual level.
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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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CHAPTER 2. HEALTH PLAN CHOICE 100 2
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CHAPTER 2. HEALTH PLAN CHOICE 102 T
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CHAPTER 2. HEALTH PLAN CHOICE 111 F
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CHAPTER 2. HEALTH PLAN CHOICE 113 6
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Chapter 3 Private Coverage and Publ
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CHAPTER 3. MEDIGAP 119 be of intere
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CHAPTER 3. MEDIGAP 121 hazard for i
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CHAPTER 3. MEDIGAP 123 have benefit
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CHAPTER 3. MEDIGAP 128 We use boots
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CHAPTER 3. MEDIGAP 130 of costs and
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CHAPTER 3. MEDIGAP 132 policy that
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CHAPTER 3. MEDIGAP 134 3.6.2 Causal
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CHAPTER 3. MEDIGAP 136 3.6.3 Robust
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CHAPTER 3. MEDIGAP 138 calculated u
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CHAPTER 3. MEDIGAP 140 (10000,11000
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CHAPTER 3. MEDIGAP 142 Table 3.2: S
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CHAPTER 3. MEDIGAP 144 Table 3.4: H
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CHAPTER 3. MEDIGAP 146 Table 3.6: S
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CHAPTER 3. MEDIGAP 148 Table 3.8: R
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CHAPTER 3. MEDIGAP 150 Table 3.10:
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CHAPTER 3. MEDIGAP 152 Table 3.12:
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CHAPTER 4. YEAR-END SPENDING 154 bu
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CHAPTER 4. YEAR-END SPENDING 156 in
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CHAPTER 4. YEAR-END SPENDING 159 To
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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 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 179 to
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