NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Are Health Insurance Markets Competitive?

Leemore Dafny

NBER Working Paper No. 14572
Issued in December 2008

---- Acknowledgements -----

I am grateful for helpful suggestions by William Collins, David Cutler, James Dana, David Dranove, Mark Duggan, Pinelopi Goldberg, Vivian Ho, Katherine Ho, Julian Jamison, Ilyana Kuziemko, Mara Lederman, Jin Li, Niko Matouschek, Sean Nicholson, Mark Pauly, Scott Schaefer, Kosali Ilayperuma Simon, Allen Steinberg, Scott Stern, John Tatom, Robert Town, Dale Yamamoto, three anonymous referees, and seminar participants at Columbia, Duke, University of Maryland, Wharton, the NBER Summer Institute, the American Economic Association Annual Conference, the Northwestern University Law School, and the Searle Center Research Symposium on Insurance Markets and Regulation. Michael Loquercio, Tamra Hayford, and Subramaniam Ramanarayanan provided excellent research assistance. Funding from The Searle Center on Law, Regulation, and Economic Growth at the Northwestern University School of Law is gratefully acknowledged. 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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