Associate Professor of Economics, @NYUStern @NYUSternEcon
Joined January 2019
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25 Oct 2021
In the US, households obtain health insurance through distinct market segments. I explore the economics of this segmentation in a new @nberpubs working paper, along with co-authors Kate Ho and @NateDMark:
nber.org/papers/w29406 1/3
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25 Oct 2021
We compare coverage provided through small employers versus the individual marketplace. Using data from Oregon, we find households with group coverage spend 26% less on covered health care than households with individual coverage (in similar plans) yet face higher markups. 2/3
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25 Oct 2021
Using a model of plan choice and spending, we show that, in our setting, pooling the markets can both mitigate adverse selection in the individual market and benefit small group households without raising taxpayer costs. 3/3 pages.stern.nyu.edu/~mjd19/p…
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