Health insurers increasingly compete on their networks of medical providers. Using data from Massachusetts’s insurance exchange, I find substantial adverse selection against plans covering the most prestigious and expensive “star” hospitals. highlight a theoretically distinct channel: consumers loyal to star hospitals incur high spending, conditional state, because they use these hospitals’ car...

This paper shows that racial composition shocks during the Great Migration (1940–1970) reduced gains from growing up in northern United States for Black families and can explain 27 percent of region’s upward mobility gap today. I identify share increases by interacting pre-1940 migrants’ location choices with predicted southern county out-migration. Locational changes, not negative selection fa...

One-fifth of US high school students report being bullied each year. We use internet search data for real-time tracking bullying patterns as COVID-19 disrupted in-person schooling. first show that pre-pandemic searches contain useful information about actual behavior. then and cyberbullying dropped 30–35 percent schools shifted to remote learning in spring 2020. The gradual return instruction s...

How do early-life experiences shape political identity? We examine the end of race-based busing in Charlotte-Mecklenburg Schools, an event that led to large changes school racial composition. Using administrative data, we compare party affiliation adulthood for students who had lived on opposite sides newly drawn boundaries. Consistent with contact hypothesis, find a 10 percentage point increas...

Since 1982, all Alaskan residents have received a yearly cash dividend from the Alaska Permanent Fund. Using Current Population Survey and synthetic control method, this paper shows that had no effect on employment increased part-time work by 1.8 percentage points (17 percent). A calibration of microeconomic macroeconomic effects suggests empirical results are consistent with stimulating local ...

Minimum income schemes aim at providing citizens with a minimum living standard. In some EU countries, their regulation and provision takes place the subnational level. This is case in Spain, where are heterogeneous complex collection of regional benefits designed implemented level, by Autonomous Communities. June 2020, complementary nationwide scheme was implemented. this context, we use Europ...

Abstract It is commonly known that irresponsible alcohol use can have adverse effects. For some people, it results in health problems, for others productivity loss, and experience the worst possible outcome of misuse – death. This paper estimates effect reduced sales hours on alcohol-attributable mortality (AAM) Estonia. Using novel data from 1997 to 2015, this analyzes policies at both county ...

We experimentally varied information mailed to 87,000 households in California’s health insurance marketplace study the role of frictions take-up. Reminders about enrollment deadline raised by 1.3 pp (16 percent) this typically low take-up population. Heterogeneous effects personalized subsidy indicate misperceptions program benefits. Consistent with an adverse selection model frictional costs,...

During the Great Recession, national public school per-pupil spending fell by roughly 7 percent and persisted beyond recovery. The impact of such large sustained education funding cuts is not well understood. To examine this, first, we document that recessionary drop in coincided with end decades-long growth both test scores college-going. Next, show this stalled educational progress was partic...

Several K-12 and university systems have adopted race-neutral affirmative action in place of race-based alternatives. This paper explores whether these plans are effective substitutes for racial quotas Chicago Public Schools (CPS), which now employs a race-neutral, place-based system at its selective exam high schools. The CPS plan is ineffective compared to that explicitly consider race: about...