| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w14414 |
| 来源ID | Working Paper 14414 |
| Estimating Welfare in Insurance Markets Using Variation in Prices | |
| Liran Einav; Amy Finkelstein; Mark R. Cullen | |
| 发表日期 | 2008-10-21 |
| 出版年 | 2008 |
| 语种 | 英语 |
| 摘要 | We show how standard consumer and producer theory can be used to estimate welfare in insurance markets with selection. The key observation is that the same price variation needed to identify the demand curve also identifies how costs vary as market participants endogenously respond to price. With estimates of both the demand and cost curves, welfare analysis is straightforward. We illustrate our approach by applying it to the employee health insurance choices at Alcoa, Inc. We detect adverse selection in this setting but estimate that its quantitative welfare implications are small, and not obviously remediable by standard public policy tools. |
| 主题 | Econometrics ; Estimation Methods ; Microeconomics ; Households and Firms ; Welfare and Collective Choice ; Economics of Information ; Health, Education, and Welfare ; Health |
| URL | https://www.nber.org/papers/w14414 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/572089 |
| 推荐引用方式 GB/T 7714 | Liran Einav,Amy Finkelstein,Mark R. Cullen. Estimating Welfare in Insurance Markets Using Variation in Prices. 2008. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w14414.pdf（470KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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