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Testing for Adverse Selection in Insurance Markets

Citations

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Cited by:

  1. Dixon, Jenna & Luginaah, Isaac & Mkandawire, Paul, 2014. "The National Health Insurance Scheme in Ghana's Upper West Region: A gendered perspective of insurance acquisition in a resource-poor setting," Social Science & Medicine, Elsevier, vol. 122(C), pages 103-112.
  2. Georges Dionne & Denise Desjardins & Jean-François Angers, 2021. "Road safety for fleets of vehicles," Working Papers 21-3, HEC Montreal, Canada Research Chair in Risk Management.
  3. Jan Michael Bauer & Jörg Schiller & Christopher Schreckenberger, 2020. "Heterogeneous selection in the market for private supplemental dental insurance: evidence from Germany," Empirical Economics, Springer, vol. 59(1), pages 205-231, July.
  4. Zi-Yi Guo, 2017. "Health Insurance and the Demand for Medical Care: a Case Study from China," Asian Journal of Economics and Empirical Research, Asian Online Journal Publishing Group, vol. 4(1), pages 8-13.
  5. de Meza, David & Webb, David C., 2017. "False diagnoses: pitfalls of testing for asymmetric information in insurance markets," LSE Research Online Documents on Economics 65744, London School of Economics and Political Science, LSE Library.
  6. Gene C. Lai & Hisashi Nakamura & Shinichi Yamamoto & Takau Yoneyama, 2021. "Adverse retention: Strategic renewal of guaranteed renewable term life insurance policies," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 88(4), pages 1001-1022, December.
  7. Nathan Kettlewell, 2019. "Utilization and Selection in an Ancillaries Health Insurance Market," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 86(4), pages 989-1017, December.
  8. Georges Dionne, 2012. "The empirical measure of information problems with emphasis on insurance fraud and dynamic data," Working Papers 12-10, HEC Montreal, Canada Research Chair in Risk Management.
  9. Daniel Bauer & Jochen Russ & Nan Zhu, 2020. "Asymmetric information in secondary insurance markets: Evidence from the life settlements market," Quantitative Economics, Econometric Society, vol. 11(3), pages 1143-1175, July.
  10. Wu, T.C. Michael & Yang, C.C., 2012. "The welfare effect of income tax deductions for losses as insurance: Insured- versus insurer-sided adverse selection," Economic Modelling, Elsevier, vol. 29(6), pages 2641-2645.
  11. Johannes Spinnewijn, 2017. "Heterogeneity, Demand for Insurance, and Adverse Selection," American Economic Journal: Economic Policy, American Economic Association, vol. 9(1), pages 308-343, February.
  12. Lu-Ming Tseng & Yue-Min Kang, 2014. "The influences of sales compensations, management stringency and ethical evaluations on product recommendations made by insurance brokers," Journal of Financial Regulation and Compliance, Emerald Group Publishing Limited, vol. 22(1), pages 26-42, February.
  13. Adachi, Daisuke & Nakata, Hiroyuki & Sawada, Yasuyuki & Sekiguchi, Kunio, 2023. "Adverse selection and moral hazard in corporate insurance markets: Evidence from the 2011 Thailand floods," Journal of Economic Behavior & Organization, Elsevier, vol. 205(C), pages 376-386.
  14. Bedsworth, Fredrick & Neal, Daniel R. & Portillo, Javier E. & Willardsen, Kevin, 2021. "Asymmetric information and insurance: An experimental approach," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 92(C).
  15. Levon Barseghyan & Francesca Molinari & Ted O'Donoghue & Joshua C. Teitelbaum, 2013. "The Nature of Risk Preferences: Evidence from Insurance Choices," American Economic Review, American Economic Association, vol. 103(6), pages 2499-2529, October.
  16. Martin Spindler & Joachim Winter & Steffen Hagmayer, 2014. "Asymmetric Information in the Market for Automobile Insurance: Evidence From Germany," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 81(4), pages 781-801, December.
  17. Wuppermann, Amelie Catherine, 2011. "Empirical Essays in Health and Education Economics," Munich Dissertations in Economics 13187, University of Munich, Department of Economics.
  18. Xiaoqi Zhang & Yi Chen & Yi Yao, 2021. "Dynamic information asymmetry in micro health insurance: implications for sustainability," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 46(3), pages 468-507, July.
  19. Franziska Tausch & Jan Potters & Arno Riedl, 2014. "An experimental investigation of risk sharing and adverse selection," Journal of Risk and Uncertainty, Springer, vol. 48(2), pages 167-186, April.
  20. Christina Aperjis & Filippo Balestrieri, 2017. "Loss aversion leading to advantageous selection," Journal of Risk and Uncertainty, Springer, vol. 55(2), pages 203-227, December.
  21. Thomas Hitchen & Saralees Nadarajah, 2025. "Implementing Custom Loss Functions in Advanced Machine Learning Structures for Targeted Outcomes," JRFM, MDPI, vol. 18(7), pages 1-19, June.
  22. Keane, Michael & Stavrunova, Olena, 2016. "Adverse selection, moral hazard and the demand for Medigap insurance," Journal of Econometrics, Elsevier, vol. 190(1), pages 62-78.
  23. Pavel A. Yakovlev & Christina M. Orr-Magulick, 2018. "On the road again: traffic fatalities and auto insurance minimums," Public Sector Economics, Institute of Public Finance, vol. 42(1), pages 45-65.
  24. Neil A. Doherty & Christian Laux & Alexander Muermann, 2015. "Insuring Nonverifiable Losses," Review of Finance, European Finance Association, vol. 19(1), pages 283-316.
  25. Qing Yang & Qing Xu & Yufeng Lu & Jin Liu, 2020. "The Impact of Public Health Insurance on Household Credit Availability in Rural China: Evidence from NRCMS," IJERPH, MDPI, vol. 17(18), pages 1-17, September.
  26. Martin Eling & Ruo Jia & Yi Yao, 2017. "Between-Group Adverse Selection: Evidence From Group Critical Illness Insurance," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 84(2), pages 771-809, June.
  27. Amelie C. Wuppermann, 2017. "Private Information in Life Insurance, Annuity, and Health Insurance Markets," Scandinavian Journal of Economics, Wiley Blackwell, vol. 119(4), pages 855-881, October.
  28. Renate Lange & Jörg Schiller & Petra Steinorth, 2017. "Demand and Selection Effects in Supplemental Health Insurance in Germany," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 42(1), pages 5-30, January.
  29. Yue Li, 2018. "Economic Analysis Of Social Security Survivors Insurance," International Economic Review, Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 59(4), pages 2043-2073, November.
  30. Posey, Lisa L. & Thistle, Paul D., 2021. "Genetic testing and genetic discrimination: Public policy when insurance becomes “too expensive”," Journal of Health Economics, Elsevier, vol. 77(C).
  31. Keith Marzilli Ericson & Philipp Kircher & Johannes Spinnewijn & Amanda Starc, 2021. "Inferring Risk Perceptions and Preferences Using Choice from Insurance Menus: Theory and Evidence," The Economic Journal, Royal Economic Society, vol. 131(634), pages 713-744.
  32. Arvidsson, Sara, 2011. "Predictors of customer loyalty in automobile insurance - The role of private information in risky driving behavior and claim history," Working papers in Transport Economics 2011:2, CTS - Centre for Transport Studies Stockholm (KTH and VTI).
  33. repec:ipf:psejou:v:42:y:2018:i:42:p:45-65 is not listed on IDEAS
  34. Deryugina, Tatyana, 2012. "Does Selection in Insurance Markets Always Favor Buyers?," MPRA Paper 53583, University Library of Munich, Germany.
  35. Fischer, Torben & Frölich, Markus & Landmann, Andreas, 2018. "Adverse Selection in Low-Income Health Insurance Markets: Evidence from a RCT in Pakistan," IZA Discussion Papers 11751, IZA Network @ LISER.
  36. Hsu, Yung-Ching & Shiu, Yung-Ming & Chou, Pai-Lung & Chen, Yen-Ming J., 2015. "Vehicle insurance and the risk of road traffic accidents," Transportation Research Part A: Policy and Practice, Elsevier, vol. 74(C), pages 201-209.
  37. Robert M. Bushman & Christopher D. Williams & Regina Wittenberg‐Moerman, 2017. "The Informational Role of the Media in Private Lending," Journal of Accounting Research, John Wiley & Sons, Ltd., vol. 55(1), pages 115-152, March.
  38. Liran Einav & Amy Finkelstein, 2023. "Empirical analyses of selection and welfare in insurance markets: a self-indulgent survey," The Geneva Risk and Insurance Review, Palgrave Macmillan;International Association for the Study of Insurance Economics (The Geneva Association), vol. 48(2), pages 167-191, September.
  39. Karlsson, Martin & Klohn, Florian & Rickayzen, Ben, 2018. "The role of heterogeneous parameters for the detection of selection in insurance contracts," Insurance: Mathematics and Economics, Elsevier, vol. 83(C), pages 110-121.
  40. David A. Cather, 2018. "Cream Skimming: Innovations in Insurance Risk Classification and Adverse Selection," Risk Management and Insurance Review, American Risk and Insurance Association, vol. 21(2), pages 335-366, September.
  41. Magali Chaudey, 2017. "Why test the theory of incentives in a dynamic framework?," Working Papers 1733, Groupe d'Analyse et de Théorie Economique Lyon St-Etienne (GATE Lyon St-Etienne), Université de Lyon.
  42. Georges Dionne & Casey G. Rothschild, 2011. "Risk Classification in Insurance Contracting," Cahiers de recherche 1137, CIRPEE.
  43. Dengov, V. & Melnikova, E., 2013. "Adverse selection in various insurance markets and the ways to deal with it (the experience of practical research)," Annals of marketing-mba, Department of Marketing, Marketing MBA (RSconsult), vol. 2, July.
  44. Annan, Francis, 2020. "Does bundling induce adverse selection in insurance?," Economics Letters, Elsevier, vol. 196(C).
  45. Levon Barseghyan & Francesca Molinari & Darcy Steeg Morris & Joshua C. Teitelbaum, 2020. "The Cost of Legal Restrictions on Experience Rating," Journal of Empirical Legal Studies, John Wiley & Sons, vol. 17(1), pages 38-70, March.
  46. Chen, Yong & Mak, Barry & Li, Zhou, 2013. "Quality deterioration in package tours: The interplay of asymmetric information and reputation," Tourism Management, Elsevier, vol. 38(C), pages 43-54.
  47. Armantier, Olivier & Foncel, Jérôme & Treich, Nicolas, 2023. "Insurance and portfolio decisions: Two sides of the same coin?," Journal of Financial Economics, Elsevier, vol. 148(3), pages 201-219.
  48. M. Martin Boyer & Richard Peter, 2020. "Insurance Fraud in a Rothschild–Stiglitz World," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 87(1), pages 117-142, March.
  49. Sebastian Panthöfer, 2016. "Risk Selection under Public Health Insurance with Opt‐Out," Health Economics, John Wiley & Sons, Ltd., vol. 25(9), pages 1163-1181, September.
  50. Gan, Li & Huang, Feng & Mayer, Adalbert, 2015. "A simple test for private information in insurance markets with heterogeneous insurance demand," Economics Letters, Elsevier, vol. 136(C), pages 197-200.
  51. Joachim Ragnitz & Marcel Thum, 2013. "Pflichtversicherung gegen Flutschäden?," ifo Dresden berichtet, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 20(05), pages 33-35, October.
  52. Wen-Yen Hsu & Carol Troy, 2025. "Testing for moral hazard: a longitudinal examination of group life and health insurance in Taiwan," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 50(4), pages 852-880, October.
  53. Kang, DongIk & Park, Jongsang, 2026. "Adverse selection in reverse mortgages: Evidence from South Korea," Economics Letters, Elsevier, vol. 259(C).
  54. Ka Chun Cheung & Sheung Chi Phillip Yam & Fei Lung Yuen & Yiying Zhang, 2025. "Optimal design of reinsurance contracts with a continuum of risk assessments," Papers 2504.17468, arXiv.org, revised Jan 2026.
  55. Alex Gershkov & Benny Moldovanu & Philipp Strack & Mengxi Zhang, 2023. "Optimal Insurance: Dual Utility, Random Losses and Adverse Selection," ECONtribute Discussion Papers Series 242, University of Bonn and University of Cologne, Germany.
  56. Zi-Yi Guo, 2017. "Health Insurance and the Demand for Medical Care: a Case Study from China," Asian Journal of Economics and Empirical Research, Asian Online Journal Publishing Group, vol. 4(1), pages 8-13.
  57. Shi, Peng & Valdez, Emiliano A., 2011. "A copula approach to test asymmetric information with applications to predictive modeling," Insurance: Mathematics and Economics, Elsevier, vol. 49(2), pages 226-239, September.
  58. Yaming Cao & Björn Fischer-Weckemann & Johannes Geyer & Nicolas Ziebarth, 2026. "Fundamentally Reforming the DI System: Evidence from Germany," Discussion Papers of DIW Berlin 2157, DIW Berlin, German Institute for Economic Research.
  59. David Crainich, 2025. "Optimal self‐insurance with genetic testing and state‐dependent utility," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 58(2), pages 418-442, May.
  60. Donald F. Vitaliano, 2021. "Information asymmetry in fire insurance: a frontier approach," Journal of Economics and Finance, Springer;Academy of Economics and Finance, vol. 45(4), pages 764-773, October.
  61. Dardanoni, Valentino & Li Donni, Paolo, 2012. "Incentive and selection effects of Medigap insurance on inpatient care," Journal of Health Economics, Elsevier, vol. 31(3), pages 457-470.
  62. Peng Shi & Wei Zhang, 2016. "A Test of Asymmetric Learning in Competitive Insurance With Partial Information Sharing," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 83(3), pages 557-578, September.
  63. Tomas J. Philipson & George Zanjani, 2013. "Economic Analysis of Risk and Uncertainty induced by Health Shocks: A Review and Extension," NBER Working Papers 19005, National Bureau of Economic Research, Inc.
  64. Paul Kofman & Gregory P. Nini, 2013. "Do Insurance Companies Possess an Informational Monopoly? Empirical Evidence From Auto Insurance," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 80(4), pages 1001-1026, December.
  65. Wanda Mimra & Achim Wambach, 2014. "New Developments in the Theory of Adverse Selection in Competitive Insurance," The Geneva Risk and Insurance Review, Palgrave Macmillan;International Association for the Study of Insurance Economics (The Geneva Association), vol. 39(2), pages 136-152, September.
  66. Dolores de la Mata & Matilde P. Machado & Pau Olivella & Nieves Valdés, 2026. "Asymmetric Information With Multiple Risks: The Case of the Chilean Private Health Insurance Market," Health Economics, John Wiley & Sons, Ltd., vol. 35(5), pages 712-729, May.
  67. Georges Dionne & Nathalie Fombaron & Neil Doherty, 2012. "Adverse Selection in Insurance Contracting," Post-Print hal-05617341, HAL.
  68. Akshay Bhat, 2019. "Bounded Rationality, Motivation & Private Information And Its Implications On Contracts," Working papers 2019-32-07, Voice of Research.
  69. Patricia H. Born & E. Tice Sirmans, 2020. "Restrictive Rating and Adverse Selection in Health Insurance," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 87(4), pages 919-933, December.
  70. Dionne, Georges & Michaud, Pierre-Carl & Pinquet, Jean, 2013. "A review of recent theoretical and empirical analyses of asymmetric information in road safety and automobile insurance," Research in Transportation Economics, Elsevier, vol. 43(1), pages 85-97.
  71. Ugarte Montero, Andrey & Wagner, Joël, 2023. "On potential information asymmetries in long-term care insurance: A simulation study using data from Switzerland," Insurance: Mathematics and Economics, Elsevier, vol. 111(C), pages 230-241.
  72. Niyazi Taneri & Arnoud De Meyer, 2017. "Contract Theory: Impact on Biopharmaceutical Alliance Structure and Performance," Manufacturing & Service Operations Management, INFORMS, vol. 19(3), pages 453-471, July.
  73. Georges Dionne & Nathalie Fombaron & Wanda Mimra, 2025. "Adverse Selection in Insurance," Springer Books, in: Georges Dionne (ed.), Handbook of Insurance, edition 0, pages 165-221, Springer.
  74. Liran Einav & Amy Finkelstein, 2011. "Selection in Insurance Markets: Theory and Empirics in Pictures," Journal of Economic Perspectives, American Economic Association, vol. 25(1), pages 115-138, Winter.
  75. Fey, Jan-Christian & Schmeiser, Hato & Schreiber, Florian, 2024. "Optimal insurance deductibles under limited information," Journal of Economic Behavior & Organization, Elsevier, vol. 220(C), pages 202-221.
  76. Yen-Chih Chen & Wen-Yen Hsu & Carol Troy, 2024. "Unpriced and unseen: private information and taxi insurance purchases in Taiwan," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 49(4), pages 831-867, October.
  77. Mol, Jantsje M. & Botzen, W.J. Wouter & Blasch, Julia E., 2020. "Behavioral motivations for self-insurance under different disaster risk insurance schemes," Journal of Economic Behavior & Organization, Elsevier, vol. 180(C), pages 967-991.
  78. Raj Chetty & Amy Finkelstein, 2012. "Social Insurance: Connecting Theory to Data," NBER Working Papers 18433, National Bureau of Economic Research, Inc.
  79. Hao Zheng & Yi Yao & Yinglu Deng & Feng Gao, 2022. "Information asymmetry, ex ante moral hazard, and uninsurable risk in liability coverage: Evidence from China's automobile insurance market," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 89(1), pages 131-160, March.
  80. Juei-Hsiang Chen & Yung-Ming Shiu, 2025. "Tenure of the insurer–reinsurer relationship and underwriting performance: evidence from the US property-casualty insurance industry," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 50(4), pages 724-766, October.
  81. Ning Wang & Tak Kuen Siu & Kun Fan, 2024. "Robust reinsurance and investment strategies under principal–agent framework," Annals of Operations Research, Springer, vol. 336(1), pages 981-1011, May.
  82. Spindler, Martin, 2015. "Asymmetric information in (private) accident insurance," Economics Letters, Elsevier, vol. 130(C), pages 85-88.
  83. Farrell, Lisa & Fry, Tim R.L. & Risse, Leonora, 2016. "The significance of financial self-efficacy in explaining women’s personal finance behaviour," Journal of Economic Psychology, Elsevier, vol. 54(C), pages 85-99.
  84. Peilu Zhang & Marco A. Palma, 2021. "Compulsory Versus Voluntary Insurance: An Online Experiment," American Journal of Agricultural Economics, John Wiley & Sons, vol. 103(1), pages 106-125, January.
  85. Doiron, Denise & Fiebig, Denzil G. & Suziedelyte, Agne, 2014. "Hips and hearts: The variation in incentive effects of insurance across hospital procedures," Journal of Health Economics, Elsevier, vol. 37(C), pages 81-97.
  86. Gaurab Aryal & Isabelle Perrigne & Quang Vuong, 2011. "Identification of Insurance Models with Multidimensional Screening," ANU Working Papers in Economics and Econometrics 2011-538, Australian National University, College of Business and Economics, School of Economics.
  87. Mol, Jantsje M. & Botzen, W. J. Wouter & Blasch, Julia E., 2020. "Risk reduction in compulsory disaster insurance: Experimental evidence on moral hazard and financial incentives," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 84(C).
  88. Ciprian MatiÅŸ & Eugenia MatiÅŸ, 2013. "Asymmetric Information In Insurance Field: Some General Considerations," Annales Universitatis Apulensis Series Oeconomica, Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia, vol. 1(15), pages 1-17.
  89. Spindler, Martin, 2013. "“They do know what they are doing... at least most of them.†Asymmetric Information in the (private) Disability Insurance," MEA discussion paper series 201209, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
  90. Anthony T. Lo Sasso & Lorens A. Helmchen & Robert Kaestner, 2010. "The Effects of Consumer‐Directed Health Plans on Health Care Spending," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 77(1), pages 85-103, March.
  91. Wei‐Jin Wu & Chu‐Shiu Li & Sheng‐Chang Peng, 2020. "The relationships between vehicle characteristics and automobile accidents," Risk Management and Insurance Review, American Risk and Insurance Association, vol. 23(4), pages 331-377, December.
  92. Georges Dionne & Casey G. Rothschild, 2012. "Risk Classification and Health Insurance," Cahiers de recherche 1232, CIRPEE.
  93. Ci-Yun HONG & Chang-Jung KUO & Lu-Ming TSENG, 2025. "Life Insurance Agents’ Intention Of Selling Health Insurance To Unhealthy Customers: The Case Of Taiwan," Business Excellence and Management, Faculty of Management, Academy of Economic Studies, Bucharest, Romania, vol. 15(3), pages 80-92, September.
  94. David Rowell & Son Nghiem & Luke B Connelly, 2017. "Two Tests for Ex Ante Moral Hazard in a Market for Automobile Insurance," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 84(4), pages 1103-1126, December.
  95. Gaurab Aryal & Isabelle Perrigne & Quang Vuong & Haiqing Xu, 2025. "Econometrics of insurance with multidimensional types," Quantitative Economics, Econometric Society, vol. 16(1), pages 267-294, January.
  96. Xia Du & Wei Zheng & Yi Yao, 2023. "The peer effect in adverse selection: Evidence from the micro health insurance market in Pakistan," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 90(4), pages 1063-1100, December.
  97. Chen, An & Li, Hong & Schultze, Mark B., 2023. "Optimal longevity risk transfer under asymmetric information," Economic Modelling, Elsevier, vol. 120(C).
  98. Karl Ove Aarbu, 2017. "Asymmetric Information in the Home Insurance Market," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 84(1), pages 35-72, March.
  99. Mette Ejrnaes & Stefan Hochguertel, 2008. "Entrepreneurial Moral Hazard in Income Insurance," Tinbergen Institute Discussion Papers 08-065/3, Tinbergen Institute, revised 12 Aug 2011.
  100. Shi-jie Jiang & Feiyun Xiang & Iris Yang, 2023. "Effect of Prevention Focus on the Relationships Among Driving Accident History, Risk Perception, and Consumers’ Automobile Insurance Coverage Decisions," SAGE Open, , vol. 13(3), pages 21582440231, July.
  101. Dong-Young Lim, 2021. "A Neural Frequency-Severity Model and Its Application to Insurance Claims," Papers 2106.10770, arXiv.org, revised Mar 2025.
  102. Pau Olivella & Fred Schroyen, 2014. "Multidimensional Screening in a Monopolistic Insurance Market," The Geneva Risk and Insurance Review, Palgrave Macmillan;International Association for the Study of Insurance Economics (The Geneva Association), vol. 39(1), pages 90-130, March.
  103. Benjiang Ma & Qing Tang & Yifang Qin & Muhammad Farhan Bashir, 2021. "Policyholder cluster divergence based differential premium in diabetes insurance," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 42(7), pages 1793-1807, October.
  104. Jiyeon Yun & Hongmin Zi, 2022. "Analyzing the Selection Effect in the Private Korean Annuity Market," Sustainability, MDPI, vol. 14(9), pages 1-14, April.
  105. Annan, Francis, 2022. "Moral hazard in insurance: Theory and evidence from a credit reform in Ghana," Journal of Public Economics, Elsevier, vol. 209(C).
  106. Wu, Anqi & Zheng, Xiaoting, 2022. "Assortative matching and commercial insurance participation: Evidence from the China Household Finance Survey," Journal of Asian Economics, Elsevier, vol. 80(C).
  107. Keane, Michael & Stavrunova, Olena, 2016. "Adverse selection, moral hazard and the demand for Medigap insurance," Journal of Econometrics, Elsevier, vol. 190(1), pages 62-78.
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