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Death Sprial Or Euthanasia The Demise Of Generous Group Health Insurance Coverage
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Book Synopsis Death Spiral or Euthanasia? The Demise of Generous Group Health Insurance Coverage by : Mark V. Pauly
Download or read book Death Spiral or Euthanasia? The Demise of Generous Group Health Insurance Coverage written by Mark V. Pauly and published by . This book was released on 2010 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Employers must determine which sorts of healthcare insurance plans to offer employees and also set employee premiums for each plan provided. Depending on how they structure the premiums that employees pay across different healthcare insurance plans, plan sponsors alter the incentives to choose one plan over another. If employees know they differ by risk level but premiums do not fully reflect these risk differences, this can give rise to a so-called quot;death spiralquot; due to adverse selection. In this paper use longitudinal information from a natural experiment in the management of health benefits for a large employer to explore the impact of moving from a fixed dollar contribution policy to a risk-adjusted employer contribution policy. Our results suggest that implementing a significant risk adjustment had no discernable effect on adverse selection against the most generous indemnity insurance policy. This stands in stark contrast to previous studies, which have tended to find large impacts. Further analysis suggests that previous studies which appeared to detect plans in the throes of a death spiral, may instead have been experiencing an inexorable movement away from a non-preferred product, one that would have been inefficient for almost all workers even in the absence of adverse selection.
Book Synopsis Death Sprial Or Euthanasia? The Demise of Generous Group Health Insurance Coverage by : Mark V. Pauly
Download or read book Death Sprial Or Euthanasia? The Demise of Generous Group Health Insurance Coverage written by Mark V. Pauly and published by . This book was released on 2004 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Employers must determine which sorts of healthcare insurance plans to offer employees and also set employee premiums for each plan provided. Depending on how they structure the premiums that employees pay across different healthcare insurance plans, plan sponsors alter the incentives to choose one plan over another. If employees know they differ by risk level but premiums do not fully reflect these risk differences, this can give rise to a so-called "death spiral" due to adverse selection. In this paper use longitudinal information from a natural experiment in the management of health benefits for a large employer to explore the impact of moving from a fixed dollar contribution policy to a risk-adjusted employer contribution policy. Our results suggest that implementing a significant risk adjustment had no discernable effect on adverse selection against the most generous indemnity insurance policy. This stands in stark contrast to previous studies, which have tended to find large impacts. Further analysis suggests that previous studies which appeared to detect plans in the throes of a death spiral, may instead have been experiencing an inexorable movement away from a non-preferred product, one that would have been inefficient for almost all workers even in the absence of adverse selection.
Book Synopsis Economics of Health and Medical Care by : Lanis L. Hicks
Download or read book Economics of Health and Medical Care written by Lanis L. Hicks and published by Jones & Bartlett Publishers. This book was released on 2014 with total page 630 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Economics of Health and Medical Care is an introduction to population-based health economics as well as the traditional, market-oriented approach to health care economics. The book examines economics through the lens of descriptive, explanatory, and evaluative economics.The Sixth Edition is an extensive revision that refines its approach to evaluative economics by focusing on the tools and methods used to inform decision making, with a particular emphasis on determining alternative approaches to addressing a problem, issue, or decision and comparing the relative benefits and costs of those approaches.
Book Synopsis Incentives and Choice in Health Care by : Frank A. Sloan
Download or read book Incentives and Choice in Health Care written by Frank A. Sloan and published by MIT Press. This book was released on 2008-05-23 with total page 437 pages. Available in PDF, EPUB and Kindle. Book excerpt: Leading scholars in the field of health economics evaluate the role of incentives in health and health-care decision making from the perspectives of both supply and demand.
Book Synopsis Asia after the Developmental State by : Toby Carroll
Download or read book Asia after the Developmental State written by Toby Carroll and published by Cambridge University Press. This book was released on 2017-10-12 with total page 517 pages. Available in PDF, EPUB and Kindle. Book excerpt: Asia after the Developmental State presents cutting-edge analyses of state-society transformation in Asia under globalisation. The volume incorporates a variety of political economy and public policy oriented positions, and collectively explores the uneven evolution of new public management and neoliberal agendas aimed at reordering state and society around market rationality. Taken together, the contributions explore the emergence of marketisation across Asia, including China, Japan, South Korea, Indonesia, Malaysia and Vietnam - what is now often described as the world's most economically dynamic region - and the degree to which marketisation has taken root, in what forms, and how this is impacting state, society and market relationships.
Book Synopsis Internal Revenue Cumulative Bulletin by : United States. Internal Revenue Service
Download or read book Internal Revenue Cumulative Bulletin written by United States. Internal Revenue Service and published by . This book was released on 2005 with total page 1420 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Internal Revenue Bulletin by : United States. Internal Revenue Service
Download or read book Internal Revenue Bulletin written by United States. Internal Revenue Service and published by . This book was released on 2005 with total page 762 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Institutions as the Fundamental Cause of Long-run Growth by : Daron Acemoglu
Download or read book Institutions as the Fundamental Cause of Long-run Growth written by Daron Acemoglu and published by . This book was released on 2004 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Develops the empirical and theoretical case that differences in economic institutions are the fundamental cause of differences in economic development." - abstract.
Book Synopsis Internal Revenue Cumulative Bulletin 2005-1, January-June by :
Download or read book Internal Revenue Cumulative Bulletin 2005-1, January-June written by and published by Government Printing Office. This book was released on 2006-05 with total page 1412 pages. Available in PDF, EPUB and Kindle. Book excerpt: Includes Revenue Rulings 2005-1 to 2005-37, Revenue Procedures 2005-1 to 2005-34, and Treasury Decisions 9164 to 9207. Consolidates all items of a permanent nature published in the weekly "Internal Revenue Bulletin" from issue 2005-1 through 2005-26.
Book Synopsis Moving Up Or Moving Out? by : Ann E. Harrison
Download or read book Moving Up Or Moving Out? written by Ann E. Harrison and published by . This book was released on 2004 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: "During the 1990s, human rights and anti-sweatshop activists increased their efforts to improve working conditions and raise wages for workers in developing countries. These campaigns took many different forms: direct pressure to change legislation in developing countries, pressure on firms, newspaper campaigns, and grassroots organizing. This paper analyzes the impact of two different types of interventions on labor market outcomes in Indonesian manufacturing: (1) direct US government pressure, which contributed to a doubling of the minimum wage and (2) anti-sweatshop campaigns. The combined effects of the minimum wage legislation and the anti-sweatshop campaigns led to a 50 percent increase in real wages and a 100 percent increase in nominal wages for unskilled workers at targeted plants. We then examine whether higher wages led firms to cut employment or relocate elsewhere. Although the higher minimum wage reduced employment for unskilled workers, anti-sweatshop activism targeted at textiles, apparel, and footwear plants did not. Plants targeted by activists were more likely to close, but those losses were offset by employment gains at surviving plants. The message is a mixed one: activism significantly improved wages for unskilled workers in sweatshop industries, but probably encouraged some plants to leave Indonesia"--NBER website
Book Synopsis NBER Reporter by : National Bureau of Economic Research
Download or read book NBER Reporter written by National Bureau of Economic Research and published by . This book was released on 2003 with total page 512 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Trust and Bribery by : Jennifer Anne Hunt
Download or read book Trust and Bribery written by Jennifer Anne Hunt and published by . This book was released on 2004 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: I study data on bribes actually paid by individuals to public officials, viewing the results through a theoretical lens that considers the implications of trust networks. A bond of trust may permit an implicit quid pro quo to substitute for a bribe, which reduces corruption. Appropriate networks are more easily established in small towns, by long-term residents of areas with many other long-term residents, and by individuals in regions with many residents their own age. I confirm that the prevalence of bribery is lower under these circumstances, using the International Crime Victim Surveys. I also find that older people, who have had time to develop a network, bribe less. These results highlight the uphill nature of the battle against corruption faced by policy-makers in rapidly urbanizing countries with high fertility. I show that victims of (other) crimes bribe all types of public officials more than non-victims, and argue that both their victimization and bribery stem from a distrustful environment.
Book Synopsis The Impact of Education on Fertility and Child Mortality by : Lucia Breierova
Download or read book The Impact of Education on Fertility and Child Mortality written by Lucia Breierova and published by . This book was released on 2004 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Earnings Inequality and the Business Cycle by : Gadi Barlevy
Download or read book Earnings Inequality and the Business Cycle written by Gadi Barlevy and published by . This book was released on 2004 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: Economists have long viewed recessions as contributing to increasing inequality. However, this conclusion is largely based on data from a period in which inequality was increasing over time. This paper examines the connection between long-run trends and cyclical variation in earnings inequality. We develop a model in which cyclical and trend inequality are related, and find that in our model, recessions tend to amplify long-run trends, i.e. they involve more rapidly increasing inequality more when long-run inequality is increasing, and more rapidly decreasing inequality when long-run inequality is decreasing. In support of this prediction, we present evidence that during the first half of the 20th Century when earnings inequality was generally declining, earnings disparities indeed appeared to fall more rapidly in downturns, at least among workers at the top of the earnings distribution.
Book Synopsis On the Two Way Feedback Between Financial and Trade Openness by : Joshua Aizenman
Download or read book On the Two Way Feedback Between Financial and Trade Openness written by Joshua Aizenman and published by . This book was released on 2004 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This paper studies the two-way feedback between de-facto financial and trade openness. We first show that de-facto financial openness (measured by the sum of gross private capital inflows and outflows as percent of GDP) depends positively on lagged trade openness, controlling for macroeconomic and political economy factors. Next, we confirm that de-facto trade openness depends positively on lagged financial openness, using similar controls. Having empirically established (Granger) causality, we investigate the relative magnitudes of these causality structures using the decomposition test developed in Geweke (1982). Most of the linear feedback between trade and financial openness (87%) can be accounted for by Granger-causality from financial openness to trade openness (53%) and from trade to financial openness (34%). Simultaneous correlation between the two series accounts for only 13% of the total linear feedback between the two series"--NBER website
Book Synopsis A Portrait of the Artist as a Very Young Or Very Old Innovator by : David W. Galenson
Download or read book A Portrait of the Artist as a Very Young Or Very Old Innovator written by David W. Galenson and published by . This book was released on 2004 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Do Domestic Investors Have an Edge? by : Hyuk Choe
Download or read book Do Domestic Investors Have an Edge? written by Hyuk Choe and published by . This book was released on 2004 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: "We investigate whether domestic investors have an edge over foreign investors in trading domestic stocks.Using Korean data, we show that foreign money managers pay more than domestic money managers when they buy and receive less when they sell for medium and large trades. The sample average daily trade-weighted disadvantage of foreign money managers is of 21 basis points for purchases and 16 basis points for sales. There is also some evidence that domestic individual investors have an edge over foreign investors. The explanation for these results is that prices move more against foreign investors than against domestic investors before trades"--NBER website
