NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Moral Hazard Matters: Measuring Relative Rates of Underinsurance Using Threshold Measures

Jean Marie Abraham, Thomas DeLeire, Anne Beeson Royalty

NBER Working Paper No. 15410
Issued in October 2009

---- Acknowledgements -----

We thank Jay Bhattacharya and seminar participants at the 2008 Academy Health meetings for comments and especially thank John Sommers for generously provided us with tabulations of health insurance plan characteristics by establishment size. The authors received financial support from the Commonwealth Fund. The views in this paper are those of the authors alone and do not represent the views of the Commonwealth Fund or the National Bureau of Economic Research.

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