메뉴 건너뛰기




Volumn 77, Issue 1, 2010, Pages 39-84

Testing for adverse selection in insurance markets

Author keywords

[No Author keywords available]

Indexed keywords


EID: 77949279263     PISSN: 00224367     EISSN: 15396975     Source Type: Journal    
DOI: 10.1111/j.1539-6975.2009.01337.x     Document Type: Article
Times cited : (262)

References (111)
  • 3
    • 0000260962 scopus 로고
    • Uncertainty and the Welfare Economics of Medical Care
    • Arrow K J. Uncertainty and the Welfare Economics of Medical Care. American Economic Review 1963, 53(5):941-973.
    • (1963) American Economic Review , vol.53 , Issue.5 , pp. 941-973
    • Arrow, K.J.1
  • 4
    • 9144228796 scopus 로고
    • The Economics of the Insurance Anti-Trust Suits: Toward an Exclusionary Theory
    • Ayres I, Siegelman P. The Economics of the Insurance Anti-Trust Suits: Toward an Exclusionary Theory. Tulane Law Review 1989, 63:971-996.
    • (1989) Tulane Law Review , vol.63 , pp. 971-996
    • Ayres, I.1    Siegelman, P.2
  • 5
    • 0346158837 scopus 로고    scopus 로고
    • On the Genealogy of Moral Hazard
    • Baker T. On the Genealogy of Moral Hazard. Texas Law Review 1996, 75:237-292.
    • (1996) Texas Law Review , vol.75 , pp. 237-292
    • Baker, T.1
  • 7
    • 0001099198 scopus 로고    scopus 로고
    • Preference Parameters and Behavioral Heterogeneity: An Experimental Approach in the Health and Retirement Study
    • Barsky R B, Juster F T, Kimball M, Shapiro M. Preference Parameters and Behavioral Heterogeneity: An Experimental Approach in the Health and Retirement Study. Quarterly Journal of Economics 1997, 112:537-579.
    • (1997) Quarterly Journal of Economics , vol.112 , pp. 537-579
    • Barsky, R.B.1    Juster, F.T.2    Kimball, M.3    Shapiro, M.4
  • 8
    • 38049099535 scopus 로고    scopus 로고
    • Market Evidence of Misperceived Prices and Mistaken Mortality Risks
    • NBER Working paper No. 9863
    • Bhattacharya J, Goldman D, Sood N. Market Evidence of Misperceived Prices and Mistaken Mortality Risks. 2003, NBER Working paper No. 9863
    • (2003)
    • Bhattacharya, J.1    Goldman, D.2    Sood, N.3
  • 9
    • 0343982193 scopus 로고
    • An Empirical Analysis of Moral Hazard and Experience Rating
    • Boyer M, Dionne G. An Empirical Analysis of Moral Hazard and Experience Rating. Review of Economics and Statistics 1989, 71:128-134.
    • (1989) Review of Economics and Statistics , vol.71 , pp. 128-134
    • Boyer, M.1    Dionne, G.2
  • 10
    • 33847668895 scopus 로고    scopus 로고
    • Biological and Psycho-Behavioral Correlates of Credit Scores and Automobile Insurance Losses: Towards an Explanation of Why Credit Scoring Works
    • Brockett P L, Golden L L. Biological and Psycho-Behavioral Correlates of Credit Scores and Automobile Insurance Losses: Towards an Explanation of Why Credit Scoring Works. Journal of Risk and Insurance 2007, 74:22-63.
    • (2007) Journal of Risk and Insurance , vol.74 , pp. 22-63
    • Brockett, P.L.1    Golden, L.L.2
  • 11
    • 55549102409 scopus 로고    scopus 로고
    • Why Is the Market for Long Term Care Insurance So Small
    • Brown J, Finkelstein A. Why Is the Market for Long Term Care Insurance So Small. Journal of Public Economics 2007, 91(10):1967-1991.
    • (2007) Journal of Public Economics , vol.91 , Issue.10 , pp. 1967-1991
    • Brown, J.1    Finkelstein, A.2
  • 12
    • 0000456368 scopus 로고
    • Information Asymmetries and Adverse Selection in the Market for Individual Medical Expense Insurance
    • Browne M J, Doerpinghaus H I. Information Asymmetries and Adverse Selection in the Market for Individual Medical Expense Insurance. Journal of Risk and Insurance 1993, 60:300-312.
    • (1993) Journal of Risk and Insurance , vol.60 , pp. 300-312
    • Browne, M.J.1    Doerpinghaus, H.I.2
  • 13
    • 4344631860 scopus 로고    scopus 로고
    • Access to Physician Services: Does Supplemental Insurance Matter? Evidence From France
    • Buchmueller T, Couffinahl A, Grignon M, Perronnin M. Access to Physician Services: Does Supplemental Insurance Matter? Evidence From France. Health Economics 2004, 13:669-687.
    • (2004) Health Economics , vol.13 , pp. 669-687
    • Buchmueller, T.1    Couffinahl, A.2    Grignon, M.3    Perronnin, M.4
  • 14
    • 33746494808 scopus 로고    scopus 로고
    • Automobile Insurance Pricing: Operating Versus Ownership Costs
    • U.S. Department of Transportation, Federal Highway Administration Publ. FHWA-PL-97-024
    • Butler P. Automobile Insurance Pricing: Operating Versus Ownership Costs. Women's Travel Issues: Proceedings From the Second National Conference 1996, in, U.S. Department of Transportation, Federal Highway Administration Publ. FHWA-PL-97-024
    • (1996) Women's Travel Issues: Proceedings From the Second National Conference
    • Butler, P.1
  • 15
    • 0035468493 scopus 로고    scopus 로고
    • Asymmetric Information in Health Insurance: Evidence From the National Health Expenditure Survey
    • Cardon J H, Hendel I. Asymmetric Information in Health Insurance: Evidence From the National Health Expenditure Survey. RAND Journal of Economics 2001, 32:408-427.
    • (2001) RAND Journal of Economics , vol.32 , pp. 408-427
    • Cardon, J.H.1    Hendel, I.2
  • 16
    • 0001237115 scopus 로고    scopus 로고
    • An Empirical Examination of Information Barriers to Trade in Insurance
    • Cawley J, Philipson T. An Empirical Examination of Information Barriers to Trade in Insurance. American Economic Review 1999, 89:827-846.
    • (1999) American Economic Review , vol.89 , pp. 827-846
    • Cawley, J.1    Philipson, T.2
  • 18
    • 0347343559 scopus 로고    scopus 로고
    • Econometric Models of Insurance Under Asymmetric Information
    • Dionne G. ed., Norwell, MA, Kluwer
    • Chiappori P-A. Econometric Models of Insurance Under Asymmetric Information. Handbook of Insurance 2000, 365-394. Dionne G. in, ed., Norwell, MA, Kluwer, pp
    • (2000) Handbook of Insurance , pp. 365-394
    • Chiappori, P.-.A.1
  • 20
    • 0000142331 scopus 로고    scopus 로고
    • Moral Hazard and the Demand for Physician Services: First Lessons From a French Natural Experiment
    • Chiappori P-A, Durand F, Geoffard P Y. Moral Hazard and the Demand for Physician Services: First Lessons From a French Natural Experiment. European Economic Review 1998, 42:499-511.
    • (1998) European Economic Review , vol.42 , pp. 499-511
    • Chiappori, P.-.A.1    Durand, F.2    Geoffard, P.Y.3
  • 22
    • 0042227362 scopus 로고    scopus 로고
    • Empirical Contract Theory: The Case of Insurance Data
    • Chiappori P-A, Salanié B. Empirical Contract Theory: The Case of Insurance Data. European Economic Review 1997, 41:943-950.
    • (1997) European Economic Review , vol.41 , pp. 943-950
    • Chiappori, P.-.A.1    Salanié, B.2
  • 24
  • 25
    • 20444364555 scopus 로고    scopus 로고
    • Asymmetric Information and Learning in the Automobile Insurance Market
    • Cohen A. Asymmetric Information and Learning in the Automobile Insurance Market. Review of Economics and Statistics 2005, 87:197-207.
    • (2005) Review of Economics and Statistics , vol.87 , pp. 197-207
    • Cohen, A.1
  • 27
    • 77949292376 scopus 로고    scopus 로고
    • Asymmetric Learning in Repeated Contracting: An Empirical Study
    • NBER Working paper No. 13752
    • Cohen A. Asymmetric Learning in Repeated Contracting: An Empirical Study. 2008, NBER Working paper No. 13752
    • (2008)
    • Cohen, A.1
  • 28
    • 10244279280 scopus 로고    scopus 로고
    • The Effects of Automobile Insurance and Accident Liability Laws on Traffic Fatalities
    • Cohen A, Dehejia R. The Effects of Automobile Insurance and Accident Liability Laws on Traffic Fatalities. Journal of Law and Economics 2004, 47(2):357-393.
    • (2004) Journal of Law and Economics , vol.47 , Issue.2 , pp. 357-393
    • Cohen, A.1    Dehejia, R.2
  • 29
    • 0041869840 scopus 로고    scopus 로고
    • The Effect of Mandatory Seat Belt Laws on Driving Behavior and Traffic Fatalities
    • Cohen A, Einav L. The Effect of Mandatory Seat Belt Laws on Driving Behavior and Traffic Fatalities. Review of Economics and Statistics 2003, 85:828-843.
    • (2003) Review of Economics and Statistics , vol.85 , pp. 828-843
    • Cohen, A.1    Einav, L.2
  • 30
    • 34547313737 scopus 로고    scopus 로고
    • Estimating Risk Preferences From Deductible Choice
    • Cohen A, Einav L. Estimating Risk Preferences From Deductible Choice. American Economic Review 2007, 97(3):745-788.
    • (2007) American Economic Review , vol.97 , Issue.3 , pp. 745-788
    • Cohen, A.1    Einav, L.2
  • 32
    • 24344485892 scopus 로고    scopus 로고
    • Uncertainty and Learning in Pharmaceutical Demand
    • Crawford G, Shum M. Uncertainty and Learning in Pharmaceutical Demand. Econometrica 2005, 73:1137-1173.
    • (2005) Econometrica , vol.73 , pp. 1137-1173
    • Crawford, G.1    Shum, M.2
  • 35
    • 0007909334 scopus 로고    scopus 로고
    • Paying for Health Insurance: The Trade-Off Between Competition and Adverse Selection
    • Cutler D M, Reber S J. Paying for Health Insurance: The Trade-Off Between Competition and Adverse Selection. Quarterly Journal of Economics 1998, 113:433-466.
    • (1998) Quarterly Journal of Economics , vol.113 , pp. 433-466
    • Cutler, D.M.1    Reber, S.J.2
  • 37
    • 77956727027 scopus 로고    scopus 로고
    • The Anatomy of Health Insurance
    • Culyer A J, Newhouse J P. eds., Amsterdam, Elsevier Science
    • Cutler D M, Zeckhauser R J. The Anatomy of Health Insurance. Handbook of Health Economics 2000, Vol. 1:563-643. Culyer A J, Newhouse J P. in, eds., Amsterdam, Elsevier Science, pp
    • (2000) Handbook of Health Economics , vol.1 , pp. 563-643
    • Cutler, D.M.1    Zeckhauser, R.J.2
  • 38
    • 20444367145 scopus 로고
    • Adverse Selection and Statistical Discrimination: An Analysis of Canadian Automobile Insurance
    • Dahlby B. Adverse Selection and Statistical Discrimination: An Analysis of Canadian Automobile Insurance. Journal of Public Economics 1983, 20:121-130.
    • (1983) Journal of Public Economics , vol.20 , pp. 121-130
    • Dahlby, B.1
  • 39
    • 0347053356 scopus 로고
    • Testing for Asymmetric Information in Canadian Automobile Insurance
    • Dionne G. ed., Boston, Kluwer Academic Publishers
    • Dahlby B. Testing for Asymmetric Information in Canadian Automobile Insurance. Contributions to Insurance Economics 1992, 423-443. Dionne G. in, ed., Boston, Kluwer Academic Publishers, pp
    • (1992) Contributions to Insurance Economics , pp. 423-443
    • Dahlby, B.1
  • 40
    • 68149151681 scopus 로고    scopus 로고
    • Selection and Moral Hazard in the Reverse Mortgage Market
    • Working paper, Haas School of Business, University of California, Berkeley, World Wide Web
    • Davidoff T, Welke G. Selection and Moral Hazard in the Reverse Mortgage Market. 2005, http://faculty.haas.berkeley.edu/davidoff/RMsubmit1.pdf, Working paper, Haas School of Business, University of California, Berkeley, World Wide Web
    • (2005)
    • Davidoff, T.1    Welke, G.2
  • 41
    • 0000877802 scopus 로고
    • Adverse Selection, Private Information, and Lowballing in Insurance Markets
    • D'Arcy S P, Doherty N A. Adverse Selection, Private Information, and Lowballing in Insurance Markets. Journal of Business 1990, 63:145-164.
    • (1990) Journal of Business , vol.63 , pp. 145-164
    • D'Arcy, S.P.1    Doherty, N.A.2
  • 42
    • 77949293436 scopus 로고    scopus 로고
    • Does Propitious Selection Explain Why Riskier People Buy Less Insurance
    • CEPR Working paper DP5640
    • DeDonder P, Hindriks J. Does Propitious Selection Explain Why Riskier People Buy Less Insurance. 2006, CEPR Working paper DP5640
    • (2006)
    • DeDonder, P.1    Hindriks, J.2
  • 43
    • 15844383439 scopus 로고    scopus 로고
    • Welfare-Improving Asymmetric Information in Dynamic Insurance Markets
    • De Garidel-Thoron T. Welfare-Improving Asymmetric Information in Dynamic Insurance Markets. Journal of Political Economy 2005, 113:121-150.
    • (2005) Journal of Political Economy , vol.113 , pp. 121-150
    • De Garidel-Thoron, T.1
  • 44
    • 0041035945 scopus 로고    scopus 로고
    • Advantageous Selection in Insurance Markets
    • De Meza D, Webb D C. Advantageous Selection in Insurance Markets. RAND Journal of Economics 2001, 32(2):249-262.
    • (2001) RAND Journal of Economics , vol.32 , Issue.2 , pp. 249-262
    • De Meza, D.1    Webb, D.C.2
  • 45
    • 0001920614 scopus 로고
    • Adverse Selection in Insurance Markets: A Selective Survey
    • Dionne G. ed., Boston, Kluwer Academic Publishers
    • Dionne G, Doherty N A. Adverse Selection in Insurance Markets: A Selective Survey. Contributions to Insurance Economics 1992, 97-140. Dionne G, . in, ed., Boston, Kluwer Academic Publishers, pp.
    • (1992) Contributions to Insurance Economics , pp. 97-140
    • Dionne, G.1    Doherty, N.A.2
  • 46
    • 84874382511 scopus 로고
    • Adverse Selection, Commitment and Renegotiation: Extension to and Evidence From Insurance Markets
    • Dionne G, Doherty N A. Adverse Selection, Commitment and Renegotiation: Extension to and Evidence From Insurance Markets. Journal of Political Economy 1994, 102(2):210-235.
    • (1994) Journal of Political Economy , vol.102 , Issue.2 , pp. 210-235
    • Dionne, G.1    Doherty, N.A.2
  • 47
    • 20444413997 scopus 로고    scopus 로고
    • Adverse Selection in Insurance Markets
    • Dionne G. ed., Boston, Kluwer Academic Publishers
    • Dionne G, Doherty N A, Fombaron N. Adverse Selection in Insurance Markets. Handbook of Insurance 2001, 185-243. Dionne G, . in, ed., Boston, Kluwer Academic Publishers, pp
    • (2001) Handbook of Insurance , pp. 185-243
    • Dionne, G.1    Doherty, N.A.2    Fombaron, N.3
  • 48
    • 0035625188 scopus 로고    scopus 로고
    • Deductible Contracts Against Fraudulent Claims: Evidence From Automobile Insurance
    • Dionne G, Gagné R. Deductible Contracts Against Fraudulent Claims: Evidence From Automobile Insurance. Review of Economics and Statistics 2001, 83(2):290-301.
    • (2001) Review of Economics and Statistics , vol.83 , Issue.2 , pp. 290-301
    • Dionne, G.1    Gagné, R.2
  • 49
    • 0141574355 scopus 로고    scopus 로고
    • Testing for Evidence of Adverse Selection in the Automobile Insurance Market: A Comment
    • Dionne G, Gouriéroux C, Vanasse C. Testing for Evidence of Adverse Selection in the Automobile Insurance Market: A Comment. Journal of Political Economy 2001, 109:444-473.
    • (2001) Journal of Political Economy , vol.109 , pp. 444-473
    • Dionne, G.1    Gouriéroux, C.2    Vanasse, C.3
  • 50
    • 0005416487 scopus 로고
    • Adverse Selection, Repeated Insurance Contracts and Announcement Strategy
    • Dionne G, Lasserre P. Adverse Selection, Repeated Insurance Contracts and Announcement Strategy. Review of Economic Studies 1985, 50:719-723.
    • (1985) Review of Economic Studies , vol.50 , pp. 719-723
    • Dionne, G.1    Lasserre, P.2
  • 51
    • 77957237129 scopus 로고    scopus 로고
    • The Role of Memory in Long-Term Contracting With Moral Hazard: Empirical Evidence in Automobile Insurance. World Wide Web
    • accessed June 30, 2008
    • Dionne G, Maurice M, Pinquet J, Vanasse C. The Role of Memory in Long-Term Contracting With Moral Hazard: Empirical Evidence in Automobile Insurance. World Wide Web. 2005, http://ssrn.com/abstract=764705, accessed June 30, 2008
    • (2005)
    • Dionne, G.1    Maurice, M.2    Pinquet, J.3    Vanasse, C.4
  • 52
    • 77949292195 scopus 로고    scopus 로고
    • Separating Moral Hazard From Adverse Selection and Learning in Automobile Insurance: Longitudinal Evidence From France
    • World Wide Web, accessed June 30, 2008
    • Dionne G, Michaud P-C, Dahchour M. Separating Moral Hazard From Adverse Selection and Learning in Automobile Insurance: Longitudinal Evidence From France. 2007, http://ssrn.com/abstract=583063, World Wide Web, accessed June 30, 2008
    • (2007)
    • Dionne, G.1    Michaud, P.-.C.2    Dahchour, M.3
  • 55
    • 33748647743 scopus 로고    scopus 로고
    • Individual Risk Attitudes: New Evidence From a Large, Representative, Experimentally-Validated Survey
    • IZA Discussion paper No. 1730
    • Dohmen T, Falk A, Huffman D, Sunde U, Schupp J, Wagner G G. Individual Risk Attitudes: New Evidence From a Large, Representative, Experimentally-Validated Survey. 2005, IZA Discussion paper No. 1730
    • (2005)
    • Dohmen, T.1    Falk, A.2    Huffman, D.3    Sunde, U.4    Schupp, J.5    Wagner, G.G.6
  • 56
    • 65449157552 scopus 로고    scopus 로고
    • Are Risk Aversion and Impatience Related to Cognitive Ability
    • IZA Discussion paper No. 2735
    • Dohmen T, Falk A, Huffman D, Sunde U. Are Risk Aversion and Impatience Related to Cognitive Ability. 2007, IZA Discussion paper No. 2735
    • (2007)
    • Dohmen, T.1    Falk, A.2    Huffman, D.3    Sunde, U.4
  • 58
    • 44949221851 scopus 로고    scopus 로고
    • The Welfare Costs of Asymmetric Information: Evidence From the U.K. Annuity Market
    • NBER Working paper No. 13228
    • Einav L, Finkelstein A, Schrimpf P. The Welfare Costs of Asymmetric Information: Evidence From the U.K. Annuity Market. 2007, NBER Working paper No. 13228
    • (2007)
    • Einav, L.1    Finkelstein, A.2    Schrimpf, P.3
  • 59
    • 0031437660 scopus 로고    scopus 로고
    • Adverse Selection and the Purchase of Medigap Insurance by the Elderly
    • Ettner S L. Adverse Selection and the Purchase of Medigap Insurance by the Elderly. Journal of Health Economics 1997, 16:543-562.
    • (1997) Journal of Health Economics , vol.16 , pp. 543-562
    • Ettner, S.L.1
  • 60
    • 44149083095 scopus 로고    scopus 로고
    • Sources of Advantageous Selection: Evidence From the Medigap Insurance Market
    • Fang H, Keane M P, Silverman D. Sources of Advantageous Selection: Evidence From the Medigap Insurance Market. Journal of Political Economy 2008, 116:303-350.
    • (2008) Journal of Political Economy , vol.116 , pp. 303-350
    • Fang, H.1    Keane, M.P.2    Silverman, D.3
  • 61
    • 33847666570 scopus 로고    scopus 로고
    • Multiple Dimensions of Private Information: Evidence From the Long-Term Care Insurance Market
    • Finkelstein A, McGarry K. Multiple Dimensions of Private Information: Evidence From the Long-Term Care Insurance Market. American Economic Review 2006, 96:938-958.
    • (2006) American Economic Review , vol.96 , pp. 938-958
    • Finkelstein, A.1    McGarry, K.2
  • 63
    • 0036149983 scopus 로고    scopus 로고
    • Selection Effects in the United Kingdom Individual Annuities Market
    • Finkelstein A, Poterba J. Selection Effects in the United Kingdom Individual Annuities Market. Economic Journal 2002, 112:28-50.
    • (2002) Economic Journal , vol.112 , pp. 28-50
    • Finkelstein, A.1    Poterba, J.2
  • 64
    • 1842864907 scopus 로고    scopus 로고
    • Adverse Selection in Insurance Markets: Policyholder Evidence From the U.K. Annuity Market
    • Finkelstein A, Poterba J. Adverse Selection in Insurance Markets: Policyholder Evidence From the U.K. Annuity Market. Journal of Political Economy 2004, 112:183-208.
    • (2004) Journal of Political Economy , vol.112 , pp. 183-208
    • Finkelstein, A.1    Poterba, J.2
  • 65
    • 44149128600 scopus 로고    scopus 로고
    • Testing for Adverse Selection with Unused Observables
    • NBER Working paper No. 12112
    • Finkelstein A, Poterba J. Testing for Adverse Selection with Unused Observables. 2006, NBER Working paper No. 12112
    • (2006)
    • Finkelstein, A.1    Poterba, J.2
  • 66
    • 0003289923 scopus 로고    scopus 로고
    • Incentive Effects of Workers' Compensation: A Survey
    • Dionne G. ed., Boston, Kluwer Academic Publishers
    • Fortin B, Lanoie P. Incentive Effects of Workers' Compensation: A Survey. Handbook of Insurance 2000, 421-458. Dionne G, . in, ed., Boston, Kluwer Academic Publishers, pp
    • (2000) Handbook of Insurance , pp. 421-458
    • Fortin, B.1    Lanoie, P.2
  • 67
    • 84963069350 scopus 로고
    • The Cost of Annuities: Implications for Savings Behavior and Bequests
    • Friedman B M, Warshawsky M J. The Cost of Annuities: Implications for Savings Behavior and Bequests. Quarterly Journal of Economics 1990, 420:135-154.
    • (1990) Quarterly Journal of Economics , vol.420 , pp. 135-154
    • Friedman, B.M.1    Warshawsky, M.J.2
  • 68
    • 0000333672 scopus 로고    scopus 로고
    • Comparative Efficiency of Informal (Subjective, Impressionistic) and Formal (Mechanical, Algorithmic) Prediction Procedures: The Clinical-Statistical Controversy
    • Grove W M, Meehl P E. Comparative Efficiency of Informal (Subjective, Impressionistic) and Formal (Mechanical, Algorithmic) Prediction Procedures: The Clinical-Statistical Controversy. Psychology, Public Policy and Law 1996, 2:1-31.
    • (1996) Psychology, Public Policy and Law , vol.2 , pp. 1-31
    • Grove, W.M.1    Meehl, P.E.2
  • 69
    • 0142202007 scopus 로고    scopus 로고
    • Risk Aversion, Wealth and Background Risk
    • Banca D'Italia Working paper 483
    • Guiso L, Paiella M. Risk Aversion, Wealth and Background Risk. 2003, Banca D'Italia Working paper 483
    • (2003)
    • Guiso, L.1    Paiella, M.2
  • 70
    • 77949310561 scopus 로고    scopus 로고
    • The Role of Risk Aversion in Predicting Individual Behavior
    • Banca D'Italia Working paper 546
    • Guiso L, Paiella M. The Role of Risk Aversion in Predicting Individual Behavior. 2005, Banca D'Italia Working paper 546
    • (2005)
    • Guiso, L.1    Paiella, M.2
  • 71
    • 0027651695 scopus 로고
    • Subjective Probability of Accident and Apprehension in Relation to Self-Other Bias, Age, and Reported Behavior
    • Guppy A. Subjective Probability of Accident and Apprehension in Relation to Self-Other Bias, Age, and Reported Behavior. Accident Analysis and Prevention 1993, 25(4):375-382.
    • (1993) Accident Analysis and Prevention , vol.25 , Issue.4 , pp. 375-382
    • Guppy, A.1
  • 72
    • 77949289377 scopus 로고    scopus 로고
    • Adverse Selection in the Market for Health Insurance
    • Mimeo, Brigham Young University Department of Economics
    • Hall D J. Adverse Selection in the Market for Health Insurance. 2006, Mimeo, Brigham Young University Department of Economics
    • (2006)
    • Hall, D.J.1
  • 73
    • 0000148633 scopus 로고
    • Expectations, Life Expectancy, and Economic Behavior
    • Hamermesh D S. Expectations, Life Expectancy, and Economic Behavior. Quarterly Journal of Economics 1985, 10:389-408.
    • (1985) Quarterly Journal of Economics , vol.10 , pp. 389-408
    • Hamermesh, D.S.1
  • 74
    • 0017941691 scopus 로고
    • Some Results on Incentive Contracts With Applications to Education and Employment, Health Insurance, and Law Enforcement
    • Harris M, Raviv A. Some Results on Incentive Contracts With Applications to Education and Employment, Health Insurance, and Law Enforcement. American Economic Review 1978, 68(1):20-30.
    • (1978) American Economic Review , vol.68 , Issue.1 , pp. 20-30
    • Harris, M.1    Raviv, A.2
  • 75
    • 77949295104 scopus 로고    scopus 로고
    • The Life Insurance Market: Adverse Selection Revisited
    • Working paper, Department of Economics, Washington University in St. Louis, World Wide Web
    • He D. The Life Insurance Market: Adverse Selection Revisited. 2008, http://artsci.wustl.edu/~econgr/gradconference/08/DaifengHe.pdf, Working paper, Department of Economics, Washington University in St. Louis, World Wide Web
    • (2008)
    • He, D.1
  • 77
    • 0037331493 scopus 로고    scopus 로고
    • The Role of Commitment in Dynamic Contracts: Evidence From Life Insurance
    • Hendel I, Lizzeri A. The Role of Commitment in Dynamic Contracts: Evidence From Life Insurance. Quarterly Journal of Economics 2003, 118:299-327.
    • (2003) Quarterly Journal of Economics , vol.118 , pp. 299-327
    • Hendel, I.1    Lizzeri, A.2
  • 78
    • 0000139691 scopus 로고
    • Moral Hazard and Observability
    • Hölmstrom B. Moral Hazard and Observability. Bell Journal of Economics 1979, 10(1):74-91.
    • (1979) Bell Journal of Economics , vol.10 , Issue.1 , pp. 74-91
    • Hölmstrom, B.1
  • 79
    • 0042695842 scopus 로고
    • Repeat Insurance Contracts With Adverse Selection and Limited Commitment
    • Hosios J A, Peters M. Repeat Insurance Contracts With Adverse Selection and Limited Commitment. Quarterly Journal of Economics 1989, 104(2):229-253.
    • (1989) Quarterly Journal of Economics , vol.104 , Issue.2 , pp. 229-253
    • Hosios, J.A.1    Peters, M.2
  • 80
    • 34548281606 scopus 로고    scopus 로고
    • Welfare Effects of Banning Genetic Information in the Life Insurance Market: The Case of BRCA1/2 Genes
    • Hoy M, Witt J. Welfare Effects of Banning Genetic Information in the Life Insurance Market: The Case of BRCA1/2 Genes. Journal of Risk and Insurance 2007, 74:523-546.
    • (2007) Journal of Risk and Insurance , vol.74 , pp. 523-546
    • Hoy, M.1    Witt, J.2
  • 81
    • 85044794643 scopus 로고    scopus 로고
    • The Effects of Subjective Survival on Retirement and Social Security Claiming
    • NBER Working paper No. 9140
    • Hurd M D, Smith J P, Zissimopoulos J M. The Effects of Subjective Survival on Retirement and Social Security Claiming. 2002, NBER Working paper No. 9140
    • (2002)
    • Hurd, M.D.1    Smith, J.P.2    Zissimopoulos, J.M.3
  • 82
    • 21644476548 scopus 로고    scopus 로고
    • Tenure Dependence in Consumer-Firm Relationships: An Empirical Analysis of Consumer Departures From Automobile Insurance Firms
    • Israel M. Tenure Dependence in Consumer-Firm Relationships: An Empirical Analysis of Consumer Departures From Automobile Insurance Firms. RAND Journal of Economics 2005a, 36:165-192.
    • (2005) RAND Journal of Economics , vol.36 , pp. 165-192
    • Israel, M.1
  • 83
    • 33645736611 scopus 로고    scopus 로고
    • Services as Experience Goods: An Empirical Examination of Consumer Learning in Automobile Insurance
    • Israel M. Services as Experience Goods: An Empirical Examination of Consumer Learning in Automobile Insurance. American Economic Review 2005b, 95(5):1444-1463.
    • (2005) American Economic Review , vol.95 , Issue.5 , pp. 1444-1463
    • Israel, M.1
  • 84
    • 77949286813 scopus 로고    scopus 로고
    • Where Is All the Hidden Information Hiding? Evidence From Automobile Insurance Panel Data
    • Mimeo, Northwestern University
    • Israel M. Where Is All the Hidden Information Hiding? Evidence From Automobile Insurance Panel Data. 2006, Mimeo, Northwestern University
    • (2006)
    • Israel, M.1
  • 85
    • 77949308310 scopus 로고    scopus 로고
    • Do We Drive More Safely When Accidents Are More Expensive? Identifying Moral Hazard From Experience Rating Schemes
    • Mimeo, Wharton School, University of Pennsylvania
    • Israel M. Do We Drive More Safely When Accidents Are More Expensive? Identifying Moral Hazard From Experience Rating Schemes. 2007, Mimeo, Wharton School, University of Pennsylvania
    • (2007)
    • Israel, M.1
  • 86
    • 0000795421 scopus 로고    scopus 로고
    • Adverse Selection in Crop Insurance: Actuarial and Asymmetric Information Incentives
    • Just R E, Calvin L, Quiggin J. Adverse Selection in Crop Insurance: Actuarial and Asymmetric Information Incentives. American Journal of Agriculture Economics 1999, 81:834-849.
    • (1999) American Journal of Agriculture Economics , vol.81 , pp. 834-849
    • Just, R.E.1    Calvin, L.2    Quiggin, J.3
  • 87
    • 0031538605 scopus 로고    scopus 로고
    • New Estimates of the Labor Market Effects of Workers' Compensation Insurance
    • Kaestner R, Carroll A. New Estimates of the Labor Market Effects of Workers' Compensation Insurance. Southern Economic Journal 1997, 63(3):635-651.
    • (1997) Southern Economic Journal , vol.63 , Issue.3 , pp. 635-651
    • Kaestner, R.1    Carroll, A.2
  • 88
    • 77949285184 scopus 로고    scopus 로고
    • Propitious Selection in Insurance Markets: A Simulation Study Using Continuous Distributions
    • Working paper, University of Connecticut Law School
    • Karagyozova T, Siegelman P. Propitious Selection in Insurance Markets: A Simulation Study Using Continuous Distributions. 2007, Working paper, University of Connecticut Law School
    • (2007)
    • Karagyozova, T.1    Siegelman, P.2
  • 90
    • 34248523886 scopus 로고    scopus 로고
    • On the Positive Correlation Property in Competitive Insurance Markets
    • Koufopolous K. On the Positive Correlation Property in Competitive Insurance Markets. Journal of Mathematical Economics 2007, 43:597-605.
    • (2007) Journal of Mathematical Economics , vol.43 , pp. 597-605
    • Koufopolous, K.1
  • 92
    • 23044532551 scopus 로고    scopus 로고
    • Markets with Asymmetric Information: The Contributions of George Akerlof, Michael Spence and Joseph Stiglitz
    • Löfgren K-G, Persson T, Jörgen Weibull W. Markets with Asymmetric Information: The Contributions of George Akerlof, Michael Spence and Joseph Stiglitz. Scandinavian Journal of Economics 2002, 104(2):195-211.
    • (2002) Scandinavian Journal of Economics , vol.104 , Issue.2 , pp. 195-211
    • Löfgren, K.-.G.1    Persson, T.2    Jörgen Weibull, W.3
  • 93
    • 84883234385 scopus 로고    scopus 로고
    • International Adverse Selection in Life Insurance and Annuities
    • Tuljapurkar S, Ogawa N, Gauthier A. forthcoming, eds., Amsterdam, Elsevier
    • McCarthy D, Mitchell O S. International Adverse Selection in Life Insurance and Annuities. Riding the Age Waves: Responses to Aging in Advanced Industrial States Tuljapurkar S, Ogawa NGauthier A. forthcoming, in, eds., Amsterdam, Elsevier
    • Riding the Age Waves: Responses to Aging in Advanced Industrial States
    • McCarthy, D.1    Mitchell, O.S.2
  • 94
    • 2242454163 scopus 로고    scopus 로고
    • Evidence of Adverse Selection in Crop Insurance Markets
    • Makki S S, Somwaru A. Evidence of Adverse Selection in Crop Insurance Markets. Journal of Risk and Insurance 2001, 68(4):685-708.
    • (2001) Journal of Risk and Insurance , vol.68 , Issue.4 , pp. 685-708
    • Makki, S.S.1    Somwaru, A.2
  • 95
    • 0023353908 scopus 로고
    • Health Insurance and the Demand for Medical Care: Evidence From a Randomized Experiment
    • Manning W G, Newhouse J P, Duan N, Keeler E B, Leibowitz A. Health Insurance and the Demand for Medical Care: Evidence From a Randomized Experiment. American Economic Review 1987, 77(3):251-277.
    • (1987) American Economic Review , vol.77 , Issue.3 , pp. 251-277
    • Manning, W.G.1    Newhouse, J.P.2    Duan, N.3    Keeler, E.B.4    Leibowitz, A.5
  • 96
    • 85047526858 scopus 로고    scopus 로고
    • Old Memos Show in Black and White MetLife's Use of Race to Screen Clients
    • JULY 24
    • Paltrow S. Old Memos Show in Black and White MetLife's Use of Race to Screen Clients. Wall Street Journal 2001, (July 24):1. p
    • (2001) Wall Street Journal , pp. 1
    • Paltrow, S.1
  • 97
    • 0016366436 scopus 로고
    • Overinsurance and Public Provision of Insurance: The Roles of Moral Hazard and Adverse Selection
    • Pauly M V. Overinsurance and Public Provision of Insurance: The Roles of Moral Hazard and Adverse Selection. Quarterly Journal of Economics 1974, 88(1):44-62.
    • (1974) Quarterly Journal of Economics , vol.88 , Issue.1 , pp. 44-62
    • Pauly, M.V.1
  • 99
    • 84935412720 scopus 로고
    • The Current Insurance Crisis and Modern Tort Law
    • Priest G L. The Current Insurance Crisis and Modern Tort Law. Yale Law Journal 1987, 96(7):1521-1541.
    • (1987) Yale Law Journal , vol.96 , Issue.7 , pp. 1521-1541
    • Priest, G.L.1
  • 100
    • 0038608652 scopus 로고
    • Evidence on Adverse Selection: Equilibrium Signaling and Cross-Subsidization in the Insurance Market
    • Puelz R, Snow A. Evidence on Adverse Selection: Equilibrium Signaling and Cross-Subsidization in the Insurance Market. Journal of Political Economy 1994, 102:236-257.
    • (1994) Journal of Political Economy , vol.102 , pp. 236-257
    • Puelz, R.1    Snow, A.2
  • 101
    • 0347020793 scopus 로고    scopus 로고
    • Automobile Insurance Contracts and Risk of Accident: An Empirical Test Using French Individual Data
    • Richaudeau D. Automobile Insurance Contracts and Risk of Accident: An Empirical Test Using French Individual Data. Geneva Papers on Risk and Insurance Theory 1999, 24:97-114.
    • (1999) Geneva Papers on Risk and Insurance Theory , vol.24 , pp. 97-114
    • Richaudeau, D.1
  • 103
    • 0040515802 scopus 로고
    • What Went Wrong With Directors' and Officers' Liability Insurance
    • Romano R. What Went Wrong With Directors' and Officers' Liability Insurance. Delaware Journal of Corporate Law 1989, 14:1-27.
    • (1989) Delaware Journal of Corporate Law , vol.14 , pp. 1-27
    • Romano, R.1
  • 104
    • 33744818936 scopus 로고    scopus 로고
    • Testing for Asymmetric Information in the Automobile Insurance Market Under Rate Regulation
    • Saito K. Testing for Asymmetric Information in the Automobile Insurance Market Under Rate Regulation. Journal of Risk and Insurance 2006, 73(2):335-356.
    • (2006) Journal of Risk and Insurance , vol.73 , Issue.2 , pp. 335-356
    • Saito, K.1
  • 105
    • 73649123107 scopus 로고    scopus 로고
    • Beyond Disclosure: The Case for Banning Contingent Commissions
    • Schwarcz D B. Beyond Disclosure: The Case for Banning Contingent Commissions. Yale Law and Policy Review 2007, 25:289-331.
    • (2007) Yale Law and Policy Review , vol.25 , pp. 289-331
    • Schwarcz, D.B.1
  • 106
    • 84963086055 scopus 로고
    • On Moral Hazard and Insurance
    • Shavell S. On Moral Hazard and Insurance. Quarterly Journal of Economics 1979, 93(4):541-562.
    • (1979) Quarterly Journal of Economics , vol.93 , Issue.4 , pp. 541-562
    • Shavell, S.1
  • 107
    • 22744444494 scopus 로고    scopus 로고
    • Adverse Selection in Insurance Markets: An Exaggerated Threat
    • Siegelman P. Adverse Selection in Insurance Markets: An Exaggerated Threat. Yale Law Journal 2004, 113(6):1123-1281.
    • (2004) Yale Law Journal , vol.113 , Issue.6 , pp. 1123-1281
    • Siegelman, P.1
  • 108
    • 77949298215 scopus 로고    scopus 로고
    • Endogenous Adverse Selection: Evidence From U.S. Crop Insurance
    • Mimeo, University of California, Berkeley, Department of Agricultural and Resource Economics, World Wide Web
    • Sil J. Endogenous Adverse Selection: Evidence From U.S. Crop Insurance. 2005, http://are.berkeley.edu/~jsil/jobmarket.html, Mimeo, University of California, Berkeley, Department of Agricultural and Resource Economics, World Wide Web
    • (2005)
    • Sil, J.1
  • 109
    • 0013136339 scopus 로고
    • Are We All Less Risky and More Skillful Than Our Fellow Drivers
    • Svenson O. Are We All Less Risky and More Skillful Than Our Fellow Drivers. Acta Psychologica 1981, 47(2):143-148.
    • (1981) Acta Psychologica , vol.47 , Issue.2 , pp. 143-148
    • Svenson, O.1
  • 110
    • 85055762750 scopus 로고
    • Automobile Accidents, Tort Law, Externalities and Insurance: An Economist's Critique
    • Vickrey W. Automobile Accidents, Tort Law, Externalities and Insurance: An Economist's Critique. Law & Contemporary Problems 1968, 33(3):464-487.
    • (1968) Law & Contemporary Problems , vol.33 , Issue.3 , pp. 464-487
    • Vickrey, W.1
  • 111
    • 1442354830 scopus 로고    scopus 로고
    • Optimal Insurance Under Moral Hazard
    • Dionne G. ed., Boston, Kluwer Academic Publishers
    • Winter R. Optimal Insurance Under Moral Hazard. Handbook of Insurance 2000, Dionne G. in, ed., Boston, Kluwer Academic Publishers
    • (2000) Handbook of Insurance
    • Winter, R.1


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.