NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Selection in Health Insurance Markets and Its Policy Remedies

Michael Geruso, Timothy Layton

NBER Working Paper No. 23876
Issued in September 2017

---- Acknowledgements ----

We thank Keith Ericson, Jon Gruber, Tom McGuire, Joe Newhouse, Dean Spears, and Steve Trejo for reviewing an earlier draft of this essay. We thank Austin Bean for excellent research assistance. We gratefully acknowledge financial support from the National Institute of Mental Health (R01-MH094290), the National Institute on Aging (P01-AG032952), the Eunice Kennedy Shriver National Institute of Child Health and Human Development (P2CHD042849, Population Research Center, awarded to the Population Research Center at the University of Texas at Austin), and the Laura and John Arnold Foundation. The content is solely the responsibility of the authors and does not necessarily represent the official views of the National Institutes of Health, any other funder, or the National Bureau of Economic Research.

---- Disclosure of Financial Relationships for Michael Geruso ----

Disclosures, Michael Geruso

No funder or other agency had the opportunity to review this research prior to publication. Potentially relevant professional and financial relationships in the past 3 years:

1. University of Texas at Austin: Assistant Professor (salary)

2. Harvard University: Consulting on US insurance market regulation and health plan design (consulting fees )

3. National Bureau of Economic Research (conference travel reimbursement)

4. UT Population Health Initiative Pilot Grant. PI ($7,500)

5. Pfizer center grant: "Selection Incentives in US Health Plan Design." PI. ($70,000)

6. NIH R03 Grant: "Impacts of Sanitation on Child and Maternal Health" 2014-2016 1R03HD081209-01. PI. ($100,000.)

---- Disclosure of Financial Relationships for Timothy Layton ----

Disclosures, Timothy Layton

No funder or other agency had the opportunity to review this research prior to publication. Potentially relevant professional and financial relationships in the past 3 years:

1. NIMH Postdoctoral Fellowship [T32-019733] (salary)

2. Harvard Medical School: Assistant Professor (salary)

3. Litigation consulting with Greylock MacKinnon and Associates (consulting fees $30-40k)

4. Consulting fees from University of Texas – Austin for project “Selection Incentives in US Health Plan Design.” [funded by Pfizer] ($10k)

5. Grant from Laura and John Arnold Foundation. “Risk Adjustment Re-design.” Co-investigator. (12% time)

6. Grant from NIMH. “Mental Health Coverage and Payment in Private Health Plans.” [R01-MH094290] Co-investigator. (20% time)

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