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Essays On Health Insurance And Annuities
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Book Synopsis Essays on Health Insurance and Annuities by : Mark Shepard
Download or read book Essays on Health Insurance and Annuities written by Mark Shepard and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Insurance creates an important source of economic well-being by providing for beneficiaries in times of need. But because a variety of forces may inhibit the proper functioning of insurance markets, governments are deeply involved through regulation, subsidies, and direct provision of insurance. This dissertation studies insurance demand, supply, and the role of policy in two types of markets of direct interest to policymakers: health insurance and annuities. I highlight the importance of both traditional market failures (adverse selection and moral hazard) and less standard factors like limited competition (market power) and puzzlingly low insurance demand to influence insurance market outcomes.
Book Synopsis Essays on the Economics of Selected Multi-Period Insurance Decisions with Private Information by : Petra Steinorth
Download or read book Essays on the Economics of Selected Multi-Period Insurance Decisions with Private Information written by Petra Steinorth and published by VVW GmbH. This book was released on 2011 with total page 146 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Petra Steinorth präsentiert in ihrer in englischer Sprache vorgelegten kumulativen Dissertationsschrift drei theoretische Modelle, die Versicherungsentscheidungen über mehrere Perioden und bei privater Information seitens der Versicherungsnehmer ökonomisch untersuchen. Die Dissertation leistet einen wichtigen Beitrag zur theoretischen Forschung im Bereich Versicherungsökonomie, da insbesondere zu mehrperiodigen Fragestellungen noch großer Forschungsbedarf besteht: Der Beitrag ""Impact of Health Savings Accounts on Precautionary Savings, Demand for Health Insurance and Prevention Effort"" untersucht den Einfluss von steuerlich begünstigten Gesundheitssparkonten auf das Sparverhalten, die Nachfrage nach Krankenversicherung und Prävention. Im zweiten Beitrag ""Yes, No, Perhaps - Explaining the Demand for Risk Classification Insurance with Imperfect Private Information"" wird untersucht, welche Granularität der Risikoklassifizierung optimal ist, wenn die Versicherungsnehmer unvollständige private Information über ihren zukünftigen Risikotyp haben. Der dritte Beitrag ""The Demand for Enhanced Annuities"" analysiert die Reaktion des Marktes auf die Einführung von sogenannten Enhanced Annuities. Dabei handelt es sich um Rentenversicherungsprodukte, die die individuelle Lebenserwartung bei der Tarifierung berücksichtigen. Die wissenschaftliche Arbeit ist auch für Mitarbeiter in Versicherungsunternehmen von Interesse, da sie wichtige Bereiche des Produktmanagements in der Lebens- und Krankenversicherung behandelt. Petra Steinorth ́s dissertation consists of three theoretical models, which all examine the economics of selected multi-period insurance decisions with private information on the part of the insured. The thesis makes an important contribution to insurance economics literature as multi-period problems have not yet been widely studied. The article ""Impact of Health Savings Accounts on Precautionary Savings, Demand for Health Insurance and Prevention Effort"" investigates how tax incentives like health savings accounts influence savings for medical costs, the demand for health insurance and ex ante moral hazard. The second article ""Yes, no, perhaps - Explaining the Demand for Risk Classification Insurance"" examines the optimal risk classification in case the insured have incomplete private information regarding their future risk type. The third article ""The Demand for Enhanced Annuities"" analyzes the market reaction to the introduction of so-called enhanced annuities, which are annuities that take individual factors influencing life expectancy into account for pricing. The scientific dissertation is also of interest to insurance practitioners as it examines important issues in the field of health and life insurance product management."
Book Synopsis Three Essays on Health Insurance by : Jeffrey Michael Hulbert
Download or read book Three Essays on Health Insurance written by Jeffrey Michael Hulbert and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Essays on Health Insurance Markets by : Kevin David Frick
Download or read book Essays on Health Insurance Markets written by Kevin David Frick and published by . This book was released on 1996 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Three Essays on Health Insurance and Health Care Consumption by : Fei Liu
Download or read book Three Essays on Health Insurance and Health Care Consumption written by Fei Liu and published by . This book was released on 2007 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: The third essay investigates the switching behavior of non-elderly enrollees in U.S. managed care plans. Treatment effect analysis is used to examine the disaggregated expenditures of plan switchers and plan stayers prior to their decision to switch or stay. Propensity score matching methods are used to estimate the average treatment effects on the treated. The results, which are based on a national representative data set from the Medical Expenditure Panel Survey, indicate that switchers (from HMO to non-HMO) spend more on hospitalization. The other type of switchers (from non-HMO to HMO) spends less on prescribed medicine and office-based physician visits. The findings suggest that the non-HMO private managed care plans provide better coverage on hospitalization, office-based physician visits and prescribed medicine than the HMO plans.
Book Synopsis Essays on Health Insurance Reform : by : Brian J. Fischer
Download or read book Essays on Health Insurance Reform : written by Brian J. Fischer and published by . This book was released on 2014 with total page 223 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Essays in Public Health Insurance in Life-cycle Economies by : Lalita Chanwongpaisarn
Download or read book Essays in Public Health Insurance in Life-cycle Economies written by Lalita Chanwongpaisarn and published by . This book was released on 2010 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis An Essay on Interest and Annuities by : J. B. Benwell
Download or read book An Essay on Interest and Annuities written by J. B. Benwell and published by . This book was released on 1821 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Don't Go Broke in Retirement by : Steve Vernon
Download or read book Don't Go Broke in Retirement written by Steve Vernon and published by Rest-Of-Life Communications. This book was released on 2020-08-18 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: Make Smart Choices with Your Social Security and Savings! Are you thinking about retiring soon, or have you recently retired? Don't Go Broke in Retirement, the latest in a series of acclaimed books by trusted retirement expert Steve Vernon, gets right to the point and shares an easy-to-follow, three-step plan that helps you answer these critical questions: Have you saved enough money to retire? When should you start your Social Security benefits? What's the best way to build lifetime income that's protected from financial crises? What living expenses should you reduce to make retirement more affordable? Based on the "Spend Safely in Retirement Strategy," the plan was developed from new research by the Stanford Center on Longevity and the Society of Actuaries. Learn why this strategy has garnered national attention and discover how the recent financial turmoil successfully stress-tested this plan, proving its effectiveness for managing retirement funds. Don't Go Broke in Retirement provides the information and tools you need to generate the most retirement income from your Social Security benefits and retirement savings, including: A simple, step-by-step checklist to help you put your plans into action Modifications to personalize the strategy for your goals and circumstances Access to bonus chapters to help you apply the strategies outlined in the book, including investing in retirement, navigating tax rules, and finding professional help with retirement funding strategies A list of helpful resources and research to learn more Don't worry about your retirement! Instead, develop solid financial strategies so you can confidently enjoy your retirement years.
Book Synopsis An Essay on the means of insurance against the casulties of sickness, decrepitude and mortality. Comprising an article reprinted from the Westminster Review ... for April 1828, with ... notes and corrections. [By E. Chadwick.] by :
Download or read book An Essay on the means of insurance against the casulties of sickness, decrepitude and mortality. Comprising an article reprinted from the Westminster Review ... for April 1828, with ... notes and corrections. [By E. Chadwick.] written by and published by . This book was released on 1836 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Toward a Theory of Spacepower: Selected Essays by :
Download or read book Toward a Theory of Spacepower: Selected Essays written by and published by Smashbooks. This book was released on 2011 with total page 594 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Insurance Agent's Assistant: a Popular Essay on Life Assurance, Its Nature, Uses, and Advantages by : Gilbert Eggleson CURRIE
Download or read book The Insurance Agent's Assistant: a Popular Essay on Life Assurance, Its Nature, Uses, and Advantages written by Gilbert Eggleson CURRIE and published by . This book was released on 1852 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis An Essay on contingent and eventual losses, and on Insurance as the means of their indemnity by : Samuel GALE (of Charlton Kings.)
Download or read book An Essay on contingent and eventual losses, and on Insurance as the means of their indemnity written by Samuel GALE (of Charlton Kings.) and published by . This book was released on 1836 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fabian Essays in Socialism by : Bernard Shaw
Download or read book Fabian Essays in Socialism written by Bernard Shaw and published by . This book was released on 1908 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Economic Theory of Annuities by : Eytan Sheshinski
Download or read book The Economic Theory of Annuities written by Eytan Sheshinski and published by Princeton University Press. This book was released on 2021-05-11 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuities are financial products that guarantee the holder a fixed return so long as the holder remains alive, thereby providing insurance against lifetime uncertainty. The terms of these contracts depend on the information available to insurance firms. Unlike age and gender, information about individual survival probabilities cannot be readily ascertained. This asymmetric information causes market inefficiencies, such as adverse selection. Groundbreaking in its scope, The Economic Theory of Annuities offers readers a theoretical analysis of the functioning of private annuity markets. Starting with a general analysis of survival functions, stochastic dominance, and characterization of changes in longevity, Eytan Sheshinski derives the demand for annuities using a model of individuals who jointly choose their lifetime consumption and retirement age. The relation between life insurance and annuities that have a bequest option is examined and "annuity options" are proposed as a response to the lack of secondary markets. This book also investigates the macroeconomic policy implications of annuities and changes in longevity on aggregate savings. Sheshinski utilizes statistical population theory to shed light on the debate of whether the surge in savings and growth in Asia and other countries can be attributed to higher longevity of the population and whether this surge is durable. This book shows how understanding annuities becomes essential as governments that grapple with insolvency of public social security systems place greater emphasis on individual savings accounts.
Book Synopsis Concise Precedents in Conveyancing, and also of mercantile forms; with practical essays, notes and observations, etc. vol. 1 by : Charles BARTON (Barrister-at-Law, the Younger.)
Download or read book Concise Precedents in Conveyancing, and also of mercantile forms; with practical essays, notes and observations, etc. vol. 1 written by Charles BARTON (Barrister-at-Law, the Younger.) and published by . This book was released on 1836 with total page 800 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Assessing Chile's Pension System: Challenges and Reform Options by : Samuel Pienknagura
Download or read book Assessing Chile's Pension System: Challenges and Reform Options written by Samuel Pienknagura and published by International Monetary Fund. This book was released on 2021-09-10 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Chile’s pension system came under close scrutiny in recent years. This paper takes stock of the adequacy of the system and highlights its challenges. Chile’s defined contribution system was quite influential when introduced, and was taken as an example by other countries. However, it is now delivering low replacement rates relative to OECD peers, as its parameters did not adapt over time to changing demographics and global returns, while informality persists in the labor market. In the absence of reforms, the system’s inability to deliver adequate outcomes for a large share of participants will continue to magnify, as demographic trends and low global interest rates will continue to reduce replacement rates. In addition, recent legislation allowing for pension savings withdrawals to counter the effects from the COVID-19 pandemic, is projected to further reduce replacement rates and increase fiscal costs. A substantial improvement in replacement rates is feasible, via a reform that raises contribution rates and the retirement age, coupled with policies that increases workers’ contribution density.
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