The nearly universal belief among policy makers is that risk rating of health insurance premiums makes health insurance unaffordable to high risks due to the high premiums for coverage they face in competitive health insurance markets. If this is true, the affordability of health insurance among high risks may be an important contributor to the large number of uninsured in the U.S. In this pape...

Background Health insurance has been acknowledged by researchers as a valuable tool in health financing. In spite of its significance, a subscription paralysis has been observed in India for this product. People who can afford health insurance are also found to be either ignorant or aversive towards it. This study is designed to investigate into the socio-economic factors, individuals’ health i...

The provision of health services in Australia currently is primarily financed by a unique interaction of public and private insurers. This commentary looks at a loophole in this framework, namely that private insurers have to date been able to avoid funding healthcare for some of their policy holders, as it is not a requirement to use private insurance when treatment occurs in Australian public...

INTRODUCTION Since the Affordable Care Act was passed, more than 12 million individuals have enrolled in the health insurance marketplace. Without support, many struggle to make an informed plan choice that meets their health and financial needs. METHODS We designed and evaluated a decision aid, Show Me My Health Plans (SMHP), that provides education, preference assessment, and an annual out-...

This paper proposes that the decline in federal disability insurance (DI) screening stringency raises the incentive of being uninsured. To support it, we provide a theoretical model and empirical evidence. JEL classification: I13, I18, H31, H51, H55