NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Moral Hazard in Health Insurance: How Important Is Forward Looking Behavior?

Aviva Aron-Dine, Liran Einav, Amy Finkelstein, Mark R. Cullen

NBER Working Paper No. 17802
Issued in February 2012

---- Acknowledgements -----

We are grateful to David Molitor and James Wang for outstanding research assistance, and to Amitabh Chandra, Kate Ho, Joe Newhouse and numerous seminar participants for helpful comments and suggestions. The Alcoa portion of 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 National Science Foundation Graduate Research Fellowship (Aron-Dine), 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 RRC08098400-04-00 to the National Bureau of Economic Research as part of the SSA Retirement Research Consortium. 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 National Bureau of Economic Research.

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