NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Adverse Selection and an Individual Mandate: When Theory Meets Practice

Martin B. Hackmann, Jonathan T. Kolstad, Amanda E. Kowalski

NBER Working Paper No. 19149
Issued in June 2013

---- Acknowledgements ----

We thank Kate Archibald and Xu "Sophie" He for excellent research assistance. This project has benefited greatly from comments from Marika Cabral, Keith Ericson, Mathis Wagner, Ebonya Washington, and Heidi Williams. We are also grateful for comments by seminar participants at Yale and the University of Pennsylvania and participants at the health care markets conference at the Kellogg School of Management. Funding from the Robert Wood Johnson Foundation and the National Institute on Aging grant #P30 AG012810 is gratefully acknowledged. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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