Remedies for Sick Insurance
---- Acknowledgements -----
McFadden acknowledges support from the E. Morris Cox fund at the University of California, Berkeley, the Presidential fund at USC, the Schaeffer Center for Health Economics and Policy at USC, and National Institute on Aging (NIA) grants No. P01 AG005842 to the NBER and No. RC4 AG039036 to USC; Olivella acknowledges support from the Ministerio de Educación y Ciencia, project ECO2009-07616. We thank Peter Diamond, Mike Rothschild, Victor Fuchs, and Jonathan Gruber for useful comments. All conclusions of this research are solely those of the authors, and not necessarily those of the supporting institutions or of the individuals cited. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.