I've been reviewing Creating A World Without Poverty, Muhammad Yunus' visionary book about a new kind of capitalism. I looked at the book in three parts: Muhammad Yunus: Capitalism Is Half-Baked How Muhammad Yunus Created an Impossible Business ...
When Gallup asked Americans if the earth revolves around the sun, 79% said yes. Shocked that 21% disagreed? That lack of general knowledge may be alarming, but for folks in business it might be more shocking to know that more Americans believe big business is untrustworthy than have a...
In a previous blog, we questioned whether or not employers should encourage healthy lifestyles to increase productivity. If discounted gym memberships and healthy vending machine alternatives -- no doubt, placed next to Snickers bars -- don't do the trick, new regulations may. Companies can now charge unhealthy overweight...
Theoretical models predict asymmetric information in health insurance markets may generate inefficient outcomes due to adverse selection and moral hazard. However, previous empirical research has found it difficult to disentangle adverse selection from moral hazard in health care. The authors empirically study this question by using data from the Health...
The authors' construct and test a new model of employer-provided health insurance provision in the presence of adverse selection in the health insurance market. In their model, employers cannot observe the health of their employees, but can decide whether to offer insurance. Employees sort themselves among employers who do and...
The weak response by the uninsured to policy initiatives encouraging voluntary enrollment in health insurance has raised concerns regarding the extent to which the uninsured value health insurance. To address this issue, data is used from the 2001 Medical Expenditure Panel Survey to examine the association between health insurance preferences...
Some states have implemented community rating regulations to limit the extent to which premiums in the individual health insurance market can vary with a person's health status. Community rating and guaranteed issues laws were passed with hopes of increasing access to affordable insurance for people with high-risk health conditions, but...
Many states have "Prudent layperson" mandates that require health plans to reimburse hospitals for Emergency Department ED care delivered to patients who believe that they have symptoms warranting emergency treatment. Increased, and possibly unnecessary, ED use has often been attributed to these policies. Data has been used from thirty-five states...
This paper provides a descriptive overview of the market for supplementary Voluntary Health Insurance VHI, or Private Medical Insurance PMI, in the United Kingdom. The structure of the paper reflects the three principal dimensions of the market: the product, demand and supply. An appendix discusses the market for health cash...
This paper examines the role of employer provided health insurance in the retirement decisions of dual working couples. The near elderly have high-expected medical expenditures; therefore, availability of health insurance is an important factor in their retirement decisions. It is determined if access to retiree health insurance for early retirement...
Companies that don't provide health-care insurance could soon get a wake-up call. That's because an increasing number of states - 23 at recent count, according to the National Conference of State Legislatures - are considering so-called pay-or-play bills that would force employers either to provide some coverage or pay a...
This paper use data from the Fragile Families and Child Wellbeing study to estimate the effects of poor infant health, pre-pregnancy health conditions of the mother, and the father's health status on health insurance status of urban, mostly unmarried, mothers and their one-year-old children. Virtually all births were covered by...
When a Wal-Mart memo describing the retailer's plans to hire and retain healthier workers was leaked to the press, it touched off a firestorm. But in truth, many companies are coming to regard a fitter workforce as one way to control health-care benefit costs. Feeling the pinch of double-digit increases...
Throughout the postwar era in federal health policy, policymakers have sought to expand both public and private insurance coverage, while wrestling with the cost consequences of the demand generated by the insurance-financing mechanisms thus created. This report advances the view that the limits to insurance expansion have been reached and...
The foreign-born represent a disproportionate share of nonelderly U.S. adults without health insurance. Using data from Los Angeles County, this report finds that most of the insurance disparities between the foreign-born and native-born can be explained by traditional socioeconomic factors. Undocumented immigrants, however, have lower rates of coverage, both private...
Administrative costs account for 25 percent of health care spending, but little is known about the portion attributable to Billing and Insurance-Related BIR functions. This paper estimates BIR for hospital and physician care in California. Data for physician practices came from a mail survey and interviews; for hospitals, from regulatory...
Program fragmentation might exacerbate disenrollment of children from Medicaid and the State Children's Health Insurance Program SCHIP. Using data from 2001-2004, this paper estimates the number of children who switched programs and the number who "Dropped Out" of public insurance, becoming uninsured despite continuing eligibility. Roughly two million children a...
Managed care health insurers in the US restrict their enrollees' choice of hospitals to specific networks. This paper investigates the causes and welfare effects of the observed hospital networks. A simple profit maximization model explains roughly 63 per cent of the observed contracts between insurers and hospitals. The paper explains...
Illness increases individuals' demand for health insurance, but may also place them at risk of losing coverage. While public insurance and price restrictions in private markets aim to reduce this risk, little is known about whether severe medical conditions affect the likelihood of losing coverage. This issue is explored in...
This paper provides historic data through 2004 on the number and percentage of nonelderly individuals with and without health insurance. Based on Employee Benefit Research Institute EBRI estimates from the U.S. Census Bureau's March 2005 Current Population Survey CPS, it reflects 2004 data. It also discusses trends in coverage for...
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