NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Health Insurance and Ex Ante Moral Hazard: Evidence from Medicare

Dhaval Dave, Robert Kaestner

NBER Working Paper No. 12764
Issued in December 2006

---- Acknowledgements -----

The authors thank Karen Conway, Lorens Helmchen, Donald Kenkel, KerryAnne McGeary, Mark Pauly, and two anonymous referees, and seminar participants at the University of Illinois at Chicago, University of Chicago, Lafayette College, University of New Hampshire, and NBER for helpful suggestions. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research.

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