American families who are not covered by group health insurance through an employer cannot afford to buy health insurance, according to a new study byAgency for Healthcare Research and Quality (AHRQ) researchers, Didem M. Bernard, Ph.D., Jessica S. Banthin, Ph.D., andWilliam E. Encinosa, Ph.D. Some experts have suggested that because 23.8 million uninsured Americans under age 65 who do not have...

Lack of insurance is not solely an issue for the poor. In both California and the nation, approximately 40 percent of the uninsured have family incomes of at least twice the federal poverty level, and one-quarter have family incomes of at least 300 percent of poverty. Examining the issue from this perspective does not detract from the importance of ensuring that those with the least means in ou...

We demonstrate the existence of multiple dimensions of private information in the long-term care insurance market. Two types of people purchase insurance: individuals with private information that they are high risk and individuals with private information that they have strong taste for insurance. Ex post, the former are higher risk than insurance companies expect, while the latter are lower r...

AIM To examine why the demand for substitutive voluntary health insurance in Germany is low. METHOD A comparison of the benefits and costs of statutory and voluntary health insurance in Germany, based on a review of literature published in academic journals and books as well as gray literature. RESULTS Employees in Germany with gross earnings over 40,500 Euros a year can choose to opt out o...

Personal interviews were conducted with beef cattle producers in Louisiana to determine their preferences and purchase decisions for livestock price insurance. Conjoint analysis was utilized to determine the importance of selected attributes of insurance policies for these producers. The characteristics of producers who prefer given attributes were also identified. Producers rated products give...

Crop insurance is a risk management tool with the potential of dealing with risk more efficiently, the study uses a dichotomous contingent valuation method to elicit the willingness to pay for crop insurance among cereal farmers in the Eastern region of Ghana. The study employed descriptive statistical techniques to analyse primary data obtained from 208 sampled farmers in the region. Approxima...

insurance is one kind of uncertain contract. it is possiblethat insurance located as another form and title but it is noone of them and it is independent contract. extension ofloss in process of insurance is possible (like othercontract) because the rate of insurance may be more lessthan the installments and payment of insurance or it maybe less that whole of it. possibility of loss in insuranc...