nep-ias New Economics Papers
on Insurance Economics
Issue of 2005‒07‒11
two papers chosen by
Soumitra K Mallick
Indian Institute of Social Welfare and Bussiness Management

  1. Pay per mile insurance By Dr. Fayyaz Zahid
  2. The Effect of Mandatory Employer-Sponsored Insurance (ESI) on Health Insurance Coverage and Labor Force Utilization in Hawaii: Evidence from the Current Population Survey (CPS) 1994-2004 By Sang-Hyop Lee; Gerard Russo; Lawrence H. Nitz; Abdul Jabbar

  1. By: Dr. Fayyaz Zahid (MIA)
    Abstract: High insurance cost is one of the serious financial problems that today’s drivers are facing. It appears to be that in the current time based insurance system the insurance companies are charging premiums for the risk of driving while the vehicles are parked. Independent surveys and interviews of the insurance customers were conducted. The literature and available reports on the topic were utilized also. Distance-Based auto insurance rating could be an answer to the problem discussed because it measures the distance of the risk being insured.
    Keywords: Insurance
    Date: 2005–07–09
  2. By: Sang-Hyop Lee (Department of Economics, University of Hawaii at Manoa); Gerard Russo (Department of Economics, University of Hawaii at Manoa); Lawrence H. Nitz (Department of Political Science, University of Hawaii at Manoa); Abdul Jabbar (Department of Economics, University of Hawaii at Manoa)
    Abstract: Using data from the Current Population Surveys, we examine the impact of Hawaii’s mandatory employer-sponsored insurance on health insurance coverage and employment structure in Hawaii. We find empirical evidence of three phenomena. First, private employer-sponsored insurance coverage for full-time workers (more than 20 hours per week) is more prevalent in Hawaii, other things held constant, than in other states and the U.S. as a whole. Second, there is avoidance of the employer-mandate in Hawaii by skirting the 20 hour rule, which changes the both the distribution of employment and the distribution of employment-based insurance coverage by hours worked. Third, Hawaii workers who match with part-time jobs without employer-sponsored health insurance obtain publicly provided health insurance or military coverage with higher probability than their counterparts elsewhere in the U.S. These results suggest that employer mandates induce both higher rates of coverage and labor market sorting.
    Keywords: health insurance, employee sponsored insurance, Hawaii's labor market
    JEL: I18 J32
    Date: 2005

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