WORKING PAPERS

Managing Behavioral Hazard — Value-Based Insurance Design and Inertia

How Does Cost-Sharing Impact Spending Growth and Cost-Effective Treatments? Evidence from Deductibles

with Molly Frean, Aliza S. Gordon, Claudio Lucarelli, and Mark Pauly

Gaming the Medical Loss Ratio: Vertical Integration and Regulatory Arbitrage in Health Insurance 

Provider Sponsored Plans and Medical Loss Ratios

with Hyein Cho