NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Selection on Moral Hazard in Health Insurance

Liran Einav, Amy Finkelstein, Stephen P. Ryan, Paul Schrimpf, Mark R. Cullen

NBER Working Paper No. 16969
Issued in April 2011

---- Acknowledgements -----

We are grateful to Felicia Bayer, Brenda Barlek, Chance Cassidy, Fran Filpovits, Frank Patrick, and Mike Williams for innumerable conversations explaining the institutional environment of Alcoa, to Colleen Barry, Susan Busch, Linda Cantley, Deron Galusha, James Hill, Sally Vegso, and especially Marty Slade for providing and explaining the data, to Tatyana Deryugina, Sean Klein, Michael Powell, Iuliana Pascu, and James Wang for outstanding research assistance, and to Ben Handel, Justine Hastings, Jim Heckman, Igal Hendel, Nathan Hendren, Kate Ho, Pat Kline, Jon Levin, Matt Notowidigdo, Phil Reny, Rob Townsend, and numerous seminar participants for helpful comments and suggestions. The data were provided as part of an ongoing service and research agreement between Alcoa, Inc. and Stanford, under which Stanford faculty, in collaboration with faculty and staff at Yale University, perform jointly agreed-upon ongoing and ad hoc research projects on workers' health, injury, disability, and health care, and Mark Cullen serves as Senior Medical Advisor for Alcoa, Inc. We gratefully acknowledge support from the NIA (R01 AG032449), the National Science Foundation Grant SES-0643037 (Einav), the Alfred P. Sloan Foundation (Finkelstein), the John D. and Catherine T. MacArthur Foundation Network on Socioeconomic Status and Health, and Alcoa, Inc. (Cullen), and the U.S. Social Security Administration through grant #5 RRC08098400-03-00 to the National Bureau of Economic Research as part of the SSA Retirement Research Consortium. Einav also acknowledges the hospitality of the Center for Advanced Study in the Behavioral Sciences at Stanford. The findings and conclusions expressed are solely those of the authors and do not represent the views of SSA, any agency of the Federal Government, or the NBER.

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