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Sebastian Fleitas
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Journal Articles
Publisher: Journals Gateway
The Review of Economics and Statistics 1–45.
Published: 05 March 2025
Abstract
View articletitled, Reclassification Risk in the Small Group Health Insurance Market
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for article titled, Reclassification Risk in the Small Group Health Insurance Market
We evaluate health insurance reclassification risk in the Small Group Market before ACA community rating regulations. We use detailed claims and premiums data from a large insurance company, controlling non parametrically for selection. We find a pass-through of 11% from changes in health risk to changes in premiums, with a stronger equilibrium relationship between the two. The pricing patterns are consistent with the insurer offering “guaranteed renewability” contracts with one-sided pricing commitment. The observed pricing policy adds 55% of the consumer welfare gain from community rating relative to experience rating, with welfare gains limited because of switching across insurance companies.
Includes: Supplementary data
Journal Articles
Publisher: Journals Gateway
The Review of Economics and Statistics (2024) 106 (3): 762–777.
Published: 14 May 2024
FIGURES
Abstract
View articletitled, Dynamic Incentives in Retirement Earnings-Replacement Benefits
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for article titled, Dynamic Incentives in Retirement Earnings-Replacement Benefits
We analyze dynamic incentives in pension systems created by the use of a small set of final years of earnings to compute benefits. Using social security records and household surveys from Uruguay, we show that self-employed workers and some employees of small firms respond to these incentives by increasing reported earnings in the benefit calculation window. We find evidence that suggests that these responses are explained by changes in earnings reporting and not in total earnings or labor supply. Back-of-the-envelope calculations indicate that this behavior increases the cost of pensions by about 0.2% of the GDP.
Includes: Supplementary data