2006. Methodology: Catastrophe Analysis in A.M. Best Rating. Oldwick, NJ: A.M. Best..
2011. Choice inconsistencies among the elderly: Evidence from plan choice in the Medicare part D program. American Economic Review 101: 1180–210., and .
1996. When the best policy may be no policy at all. New York Times. November 3.
2008. It’s no mystery how Aflac makes a difference: Annual Report for 2008. (accessed November 18, 2010)..
1970. The market for lemons: Qualitative uncertainty and the market mechanism. Quarterly Journal of Economics 84: 488–500.
2008. ACLI Life Insurers Fact Book 2008. (accessed November 5, 2010)..
2011. The joy of giving or assisted living? Using strategic surveys to separate public care aversion from bequest motives. Journal of Finance 66: 519–61., , , and .
2008. Does insurance market activity promote economic growth? A cross country study for industrialized and developing countries. Journal of Risk and Insurance 75: 921–46.
1963. Uncertainty and the welfare economics of medical care. American Economic Review 53: 941–73.
1952. Biography of an Idea: The Story of Mutual Fire and Casualty Insurance. Garden City, NY: Doubleday & Co.
2000. A Cat Bond Premium Puzzle?Journal of Psychology and Financial Markets, 1(1): 76–91. and .
2010. Annuities aren’t all the same. Forbes Magazine. March 29.
2011. Are risk preferences stable across contexts? Evidence from insurance data. American Economic Review 101: 591–631., , and .
1985. Disappointment in decision making under uncertainty. Operations Research 33: 1–27.
1982. Regret in decision making under uncertainty. Operations Research 30: 961–81.
2011. Why don’t people annuitize late life consumption? A framing explanation of the under-annuitization puzzle. American Economic Review 98: 304–9.., , and .
Annuitization puzzles. Journal of Economic Perspectives. Forthcoming.
1995. Myopic loss aversion and the equity premium puzzle. Quarterly Journal of Economics 110: 73–92., and .
1998. Cancer insurance policies in Japan and the United States. Western Journal of Medicine 168: 17., , and .
1962. Equilibrium in a reinsurance market. Econometrica 30: 424–44.
2001. Insurer profitability in different regulatory and legal environments. Journal of Regulatory Economics 19: 211–37.
2005. Which life insurance is best? SmartMoney.com, February 9, 2005. (accessed June 25, 2010).
2006. Modeling the “pseudodeductible” in homeowners’ insurance. Management Science 52: 1258–72., , , and .
2004. The impact of regret on the demand for insurance. Journal of Risk and Insurance 71: 737–67., and .
2001. Private pensions, mortality risk, and the decision to annuitize. Journal of Public Economics 82: 29–62.
2007. Medicaid crowd-out of private long-term care insurance demand: Evidence from the health and retirement survey. Tax Policy and the Economy 21: 1–34., , and .
2008. The interaction of public and private insurance: Medicaid and the long term care insurance market. American Economic Review 98: 1083–102., and .
2007. Why is the market for long term care insurance so small?Journal of Public Economics 91: 1967–91., and
2002. Does the internet make markets more competitive? Evidence from the life insurance industry. Journal of Political Economy 110: 481–507., and .
2008. Why don’t people insure late life consumption? A framing explanation of the under-annuitization puzzle. NBER Working Paper No. 13748. Cambridge, MA: National Bureau of Economic Research., , , and .
1998. Explorations in Constitutional Economics. College Station, TX: Texas A&M University Press.
1962. Calculus of Consent. Ann Arbor: University of Michigan Press., and .
2006. Is health insurance affordable for the uninsured?Journal of Health Economics 25: 650–73., and .
2010. Health risk, income, and employment-based health insurance. Forum for Health Economics and Policy 13(2): Article 13 (accessed October 28, 2011)., , and .
2010. Industry Economic Accounts. (accessed July 28, 2010)..
2011. Is imprecise knowledge better than conflicting expertise? Evidence from insurers’ decisions in the United States. Journal of Risk and Uncertainty 42: 211–32., , , and .
1994. Violations of the betweenness axiom and nonlinearity of probability. Journal of Risk and Uncertainty 8: 167–96., and .
1989. Decision processes for low probability events: Policy implications. Journal of Policy Analysis and Management 8: 565–92., and .
2008. Personal Cancer Indemnity/Hospital Intensive Care Protection Insurance (Prepared for State of Florida Employees). Columbus, GA: American Family Life Assurance Company of Columbus (AFLAC). (accessed November 18, 2010)..
1999. An empirical examination of information barriers to trade in insurance. American Economic Review 89: 827–46., and .
2008. National Health Expenditure Projections: 2009–2019, Forecast Summary and Selected Tables. Table 3. (accessed July 28, 2010)..
2006. FastStats – Cancer. (accessed July 10, 2010)..
2004. Estimating the cost of cancer: Results on the basis of claims data analysis for cancer patients diagnosed with seven types of cancer during 1999 to 2000. Journal of Clinical Oncology 22: 3524–30., , , , , , and .
1995. Preference reversals in monetary and life expectancy evaluations. Organizational Behavior and Human Decision Processes 62: 300–17., and .
2009. Why do consumers buy extended service contracts?Journal of Consumer Research 36: 611–23.., , and .
2000. Testing for asymmetric information in insurance markets. Journal of Political Economy 108: 56–78., and .
1995. Time-consistent health insurance. Journal of Political Economy 103: 445–73.
2005. Asymmetric information and learning: Evidence from the automobile insurance market. Review of Economics and Statistics 87: 197–207..
2005. Extended warranties: Say yes, sometimes. Consumer Reports.org 70: 51..
2003. Catastrophic Events, Parameter Uncertainty and the Breakdown of Implicit Long-Term Contracting: The Case of Terrorism Insurance. Journal of Risk and Uncertainty 26(2): 153–178. and .
1974. Consumer Attitudes toward Auto and Homeowners Insurance. Philadelphia: Department of Insurance, Wharton School, University of Pennsylvania., , , and .
2008. Preference heterogeneity and insurance markets: Explaining a puzzle of insurance. American Economic Review 98: 157–62., , and .
2004. Extending the theory to meet the practice of insurance. Brookings-Wharton Papers on Financial Services: 2004. Eds. and . Washington, DC: Brookings Institution Press, 1–53., and .
1968. The Economics of Natural Disasters. New York: Free Press., and .
1983. Optimal insurance in incomplete markets. Journal of Political Economy 91: 1045–54., and .
1990. Rational insurance purchasing: Consideration of contract non-performance. Quarterly Journal of Economics 105: 243–53., and
1982. A note on reinsurance under conditions of capital market equilibrium. Journal of Finance 36: 949–53., and .
1954. Optimal advertising and optimal quality. American Economic Review 44: 826–36., and .
1982. Relative risk aversion. Management Science 28: 875–86., and .
1998. Insurance or self-insurance? Variation, persistence, and individual health accounts. In Inquiries in the Economics of Aging. Ed. . Chicago: University of Chicago Press, 19–45., , and .
2010. How general are risk preferences? Choices under uncertainty in different domains. NBER Working Paper No. 15686. Cambridge, MA: National Bureau of Economic Research., , , and .
2010. Optimal mandates and the welfare cost of asymmetric information: Evidence from the U.K. annuity market. Econometrica 78: 1031–92., , and .
1961. Flight insurance and the theory of choice. Journal of Political Economy 69: 355–68., and .
1961. Risk, ambiguity, and the savage axioms. The Quarterly Journal of Economics 75: 643–69..
1998. Utilizing third-party inspections for preventing major chemical accidents. Risk Analysis 18: 145–54., , and .
2008. Sources of advantageous selection: Evidence from the Medigap insurance market. Journal of Political Economy 116: 303–50., , and .
2009. Annual Report of the Board of Trustees. Washington, DC: U.S. Government Printing Office..
2006. Multiple dimensions of private information: Evidence from the long-term care insurance market. American Economic Review 96: 938–58., and .
2004. Adverse selection in insurance markets: Policyholder evidence from the U.K. annuity market. Journal of Political Economy 112: 183–208., and .
2000. The affect heuristic in judgments of risks and benefits. Journal of Behavioral Decision Making 13:1–17., , , and .
2003. Judged terror risk and proximity to the World Trade Center. Journal of Risk and Uncertainty 26: 137–51., , , and .
2006. Rating agency recalibrations. In The Review: Cedant’s Guide to Renewals 2006. Ed. . London: Informa UK Ltd..
2009. Minimalist health coverage: The market for mini-medical plans is growing. Is such limited coverage really better than nothing? HR Magazine, June 2009. (accessed July 2, 2010).
1997. Managing Environmental Risk through Insurance. Boston: Kluwer Academic Pub., and .
2008. Increasing annuitization in 401(k) plans with automatic trial income. The Hamilton Project, Discussion Paper 2008–02. Washington, DC: The Brookings Institution., , , and .
1995. Case based decision theory. Quarterly Journal of Economics 110: 605–39., and .
2007. Facing mother nature. Regulation 30: 28–34., and .
2004. Homeowners insurance with bundled catastrophe coverage. Journal of Risk and Insurance 71: 351–79., , and .
2005. Increased hurricane risk and insurance market responses. Journal of Insurance Regulation 24: 2–32., , and .
1990. Asymmetric information and the new theory of the firm: Financial constraints and risk behavior. American Economic Review 80: 160–5., and .
1994. Capacity constraints and cycles in property-casualty insurance markets. Rand Journal of Economics 25: 110–27.
2005. Catastrophe Modeling: A New Approach to Managing Risk. Boston: Springer Science and Business Media, Inc., and .
2010. Adverse selection and switching costs in health insurance markets: When nudging hurts. January 26. Unpublished paper, Northwestern University, Chicago, IL..
1999. Basis risk with PCS catastrophe insurance derivative contracts. Journal of Risk and Insurance, 66: 49–82., and .
2009. Three essays on long-term care and life insurance. Dissertation, Washington University, St. Louis, MO.
2003. The role of commitment in dynamic contracts: Evidence from life insurance. Quarterly Journal of Economics 118: 299–327., and .
2005. The effect of the availability of charity care to the uninsured on the demand for private health insurance. Journal of Health Economics 24: 225–52..
2004. Decisions from experience and the effect of rare events in risky choice. Psychological Science 15: 534., , , and .
2009. Adaptation to climate change: Threats and opportunities for the insurance industry. Geneva Papers on Risk and Insurance 34: 360–80., , and .
1995. Decision making under ignorance: Arguing with yourself. Journal of Risk and Uncertainty 10: 15–36., and .
2000. The affection effect in insurance decisions. Journal of Risk and Uncertainty 20: 141–59., and .
1997. Active information search and complete information presentation in naturalistic risky decision tasks. Acta Psychologica 95: 15–29., , and .
2010. How do people value extended warranties?Journal of Risk and Uncertainty 40: 197–218., and .
2011. How deep is the annuity market participation puzzle?Review of Financial Studies 24: 279–319., , and .
2009a. Auto Insurance. (accessed July 5, 2010)..
2009b. Do I need separate rental car insurance? (accessed April 1, 2009).
2008. Homeowners Insurance. (accessed December 9, 2008).
2010. Online Insurance Fact Book. (accessed June 25, 2010).
2008. Rental Car Insurance Simplified. (accessed April 1, 2009)..
2006. “Average Premiums for Homeowners and Renters Insurance, United States, 2000–2008.” Data table. Insurance Information Institute: Homeowners Insurance. (accessed November 19, 2010)..
2010. The basics of accidental death and dismemberment insurance. (accessed February 20, 2010)..
2008. Long term insurance (LTI) for addressing catastrophic market failure. NBER Working Paper No. 14210. Cambridge, MA: National Bureau of Economic Research.., , and .
2010. Long term insurance (LTI) for addressing catastrophe risk. Journal of Insurance Regulation 29:167–87.
2003. Markets under stress: The case of extreme event insurance. In Economics for an Imperfect World: Essays in Honor of Joseph E. Stiglitz. Eds. , , , and . Cambridge, MA: MIT Press., and .
2004. Insurance Update: More alert, less at risk. Wall Street Journal. August 11..
1993. Framing, probability distortions and insurance decisions. Journal of Risk and Uncertainty 7: 35–51., , , and .
2011. Thinking, Fast and Slow. New York: Farrar, Straus and Giroux
1973. On the psychology of prediction. Psychological Review 80: 237–51., and .
1979. Prospect theory: An analysis of decision under risk. Econometrica 47: 263–91., and
1921. A Treatise on Probability. New York: Macmillan and Co..
2007. Catastrophe risk and the regulation of property insurance: A comparative analysis of five states. Working Paper, Georgia State University, Atlanta, GA.
1995. Insurance regulation in transition. Journal of Risk and Insurance 62: 263–404.
1921. Risk, Uncertainty and Profit. Boston and New York: Houghton Mifflin.
1994. When is a coincidence too bad to be true? New York Times. September 11.
2002. The adequacy of life insurance. Research Dialogue 72. New York: TIAA-CREF Institute., and .
2008. State health insurance regulations and the price of high deductible policies. Forum for Health Economics and Policy 11: 1–24., , and .
2007. Goals and plans in decision making. Judgment and Decision Making 2: 137–68., and .
1989. The role of actuaries and underwriters in insuring ambiguous risks. Risk Analysis 9: 319–28..
2002. The role of insurance in managing extreme events: Implications for terrorism coverage. Business Economics 37: 6–16.
2009. The weakest link: Managing risk through interdependent strategies. In Network Challenge: Strategy, Profit and Risk in an Interlinked World. Eds. and . Upper Saddle River, NJ: Wharton School Publishing.
1978. Disaster Insurance Protection: Public Policy Lessons. New York: John Wiley & Sons., , , , , , and .
1993. Insurer ambiguity and market failure. Journal of Risk and Uncertainty 7: 71–87., , and .
2010. From market to government failure in insuring U.S. natural catastrophes: How can long-term contracts help? In Private Markets and Public Insurance Programs. Ed. . Washington, DC: American Enterprise Institute Press., and .
2009. At War with the Weather. Cambridge, MA: MIT Press., and
2001. Making low probabilities useful. Journal of Risk and Insurance 23:103–20., , and .
2004. Neglecting disaster: Why don’t people insure against large losses?Journal of Risk and Uncertainty 28: 5–21., and .
2005. Terrorism losses and all-perils insurance. Journal of Insurance Regulation 23: 3–20., and
2006. Insurance decision-making and market behavior. Foundations and Trends® in Microeconomics 1: 63–127. Hanover, MA: Now Publishers, and
1998. Paying the Price: The Status and Role of Insurance Against Natural Disasters in the United States. Washington, DC: The Joseph Henry Press., and , Sr., eds.
1985. A behavioral model of the adoption of protective activities. Journal of Economic Behavior & Organization 6: 1–15.., , and .
1998. Hurricane insurance protection in Florida. In Paying the Price: The Status and Role of Insurance Against Natural Disasters in the United States. Eds. and , Sr. Washington, DC: The Joseph Henry Press, 97–124., and .
2010. The unloved annuity gets a hug from Obama. New York Times. January 29.
2008. Simple humans, complex insurance, subtle subsidies. NBER Working Paper No. 14330. Cambridge, MA: National Bureau of Economic Research.., and .
1996. Assessing catastrophe reinsurance-linked securities as a new asset class. Journal of Portfolio Management Special Issue: 76–86.., , and .
2002. Ouch! Don’t forget the disability insurance. CNN Money, May 6, 2002. (accessed December 9, 2008)..
2001. Risk as feelings. Psychological Bulletin 127: 267–86., , , and .
1982. Regret theory: An alternative theory of rational choice under uncertainty. Economic Journal 92: 805–24., and .
2008. Coastal Communities and Climate Change: Maintaining Future Insurability (Part of the 360 Risk Project). London: Lloyd’s..
2004. Money Matters column. Newsday. November 28.
1990. On the corporate demand for insurance: Evidence from the reinsurance market. Journal of Business 63: 19–40., and , Jr.
2010. Catastrophe economics: The National Flood Insurance Program: Past, present, and future. Journal of Economic Perspectives 24: 165–86..
2010. Come rain or shine: Evidence on flood insurance purchases in Florida. Journal of Risk and Insurance 77: 369–97., and .
2011. Policy tenure under the U.S. National Flood Insurance Program (NFIP). Risk Analysis. Article first published online: September 15, 2011. DOI: 10.1111/j.1539–6924.2011.01671.x (accessed October 28, 2011)., , and .
2006. How does the corporate world cope with mega-terrorism? Puzzling evidence from terrorism insurance markets. Journal of Applied Corporate Finance 18: 61–75.. and .
2005. Terrorism risk coverage in the post-9/11 era: A comparison of new public-private partnerships in France, Germany, and the U.S. Geneva Papers on Risk and Insurance 30: 144–70.
2009. Corporate demand for insurance: An empirical analysis of the U.S. market for catastrophe and non-catastrophe risks. Working Paper, Wharton Risk Management Center, University of Pennsylvania, Philadelphia, PA., , and .
2004. Homeowners Insurance Coverages: An Actuarial Study of the Frequency and Cost of Claims for the State of Michigan. Carlock, IL: Epic Consulting, LLC., and .
1999. New evidence on the money’s worth of individual annuities. American Economic Review 89: 1299–1318., , , and .
1959. The Theory of Public Finance. New York: McGraw Hill.
2008. 2006 Profitability Report. NAIC Store: Statistical Reports. (accessed December 9, 2008)..
2006. A Shopper’s Guide to Cancer Insurance. (accessed July 10, 2010).
2007. Traffic Safety Facts 2007. Washington, DC: National Center for Statistics and Analysis, U.S. Department of Transportation. (accessed November 5, 2010)..
2002. Extended warranties on domestic electrical goods: A report on an OFT investigation. (accessed November 18, 2010)..
1995. Earthquake Insurance: A Longitudinal Study of California Homeowners. Boulder: Westview Press.
1968. The economics of moral hazard: Comment. American Economic Review 58: 531–7.
1970. Medical Care at Public Expense. New York: Praeger.
1990. The rational nonpurchase of long-term care insurance. Journal of Political Economy 98: 153–68.
2010. Health Reform without Side Effects: Making Markets Work for Individual Health Insurance. Stanford: Hoover Institution Press.
2008. Moral hazard in insurance, value based cost sharing, and the benefits of blissful ignorance. Journal of Health Economics 27: 1407–17., and .
2006. Incentive-compatible guaranteed renewable health insurance premiums. Journal of Health Economics 25: 395–417., and .
2007. Risk pooling and regulation: Policy and reality in today’s individual health insurance market. Health Affairs 26: 770–9., and
2006. Information technology and consumer search for health insurance. International Journal of the Economics of Business 13: 45–63., , and .
2002. Competitive behavior in the HMO marketplace. Health Affairs 21: 194–202., , , and .
1994. Guaranteed renewability in health insurance. Journal of Risk and Uncertainty 10: 143–56., , and .
2008. How risky is individual health insurance?Health Affairs 27: w242–w249 (Web exclusive, May 6, 2008). ., and .
2011. Guaranteed Renewability Uniquely Prevents Adverse Selection. Journal of Risk and Uncertainty 43(2): 127–39., , , and .
2002. The nongroup health insurance market: Short on facts, long on opinions and policy disputes. Health Affairs 21: w325–w344. Web exclusive, October 23, 2002. ., and .
2010. Health executive defends premiums. New York Times. February 24..
2006. Object-oriented affect in warranty decisions. Manuscript. New York, NY: Columbia University., and .
2011. The draw down of personal retirement assets, January. NBER Working Paper No. 16675. Cambridge, MA: National Bureau of Economic Research., , and .
2001. Anomalies: Risk aversion. Journal of Economic Perspectives 15: 219–32., and
2005a. Trends in Life Insurance Ownership among U.S. Households. Windsor, CT: LIMRA International..
2005b. Trends in Life Insurance Ownership among U.S. Individuals. Windsor, CT: LIMRA International.
1998. Earthquake insurance protection in California. In Paying the Price: The Status and Role of Insurance against Natural Disasters in the United States. Eds. and , Sr. Washington, DC: The Joseph Henry Press, 67–96.
1976. Equilibrium in competitive insurance markets: An essay on the economics of imperfect information. Quarterly Journal of Economics 90: 629–49., and .
2001. Money, kisses, and electric shocks: On the affective psychology of risk. Psychological Science 12: 185–90., and .
1964. Principles of efficiency: Discussion. American Economic Review, Papers and Proceedings 54: 93–6.
1988. Status quo bias in decision making. Journal of Risk and Uncertainty 1: 7–59., and .
2007. Overconfidence, insurance, and paternalism. American Economic Review 97: 1994–2004., and .
2011. Protecting against low probability disasters: The role of worry. Journal of Behavioral Decision Making. Article first published online: September 26, 2011. DOI: 10.1002/bdm.754 (accessed October 28, 2011)., , and .
2005. Annuities make a comeback. Journal of Pension Benefits: Issues in Administration 12: 34–8.
2010. Individual annuity demand under aggregate mortality risk. Journal of Risk and Insurance 77(2): 423–49. and
1993. Reason-based choice. Cognition 49: 11–36., , and .
2008. On the preference for full-coverage policies: Why do people buy too much insurance?Journal of Economic Psychology, 29(5): 747–61., and .
2003. The New Financial Order: Risk in the 21st Century. Princeton: Princeton University Press..
2005. Getting paid for getting sick: As health costs rise, insurers market policies that make payments for specific illnesses. Wall Street Journal. July 14..
2003. Renters insurance worth the cost: The color of money. Renter’s Insurance: Business, September 21, 2003. (accessed October 28, 2010).
1995. The construction of preference. American Psychologist 50: 364–71.
1978. Accident probabilities and seat belt usage: A psychological perspective. Accident Analysis and Prevention 10: 281–5., , and .
2000. Violence risk assessment and risk communication: The effects of using actual cases, providing instruction, and employing probability versus frequency formats. Law and Human Behavior 24: 271–96., , and .
2004. Insuring against terrorism. Brookings-Wharton Papers on Financial Services: 2004. Ed. and . Washington, DC: Brookings Institution Press, 139–87.
1759/1966. Theory of Moral Sentiments. Repr., New York: Augustus M. Kelley
2009. Social security basic facts. Social Security Online: Press Office Fact Sheet. (accessed October 28, 2010)..
2002. Cost effectiveness of a single colonoscopy in screening for colorectal cancer. Annals of Internal Medicine 162: 163–8.., and .
2011. Asymmetric information in insurance markets: Does this really exist?Geneva Association Insurance Economics no.64, July 2011.
2000. Developments in non-expected utility theory: The hunt for a descriptive theory of choice under risk. Journal of Economic Literature 38: 332–82 (also cited in )..
2003. No coverage is a risky policy. Chicago Tribune (online), December 2, 2003. (accessed November 5, 2010)..
1973. A theory of capacity and the insurance of catastrophic risks: Part I and Part II. Journal of Risk and Insurance 40: 231–43 (Part I); 339–55 (Part II)..
2011. They dropped their flood insurance, then the “mouse” roared. New York Times. June 24. (accessed October 13, 2011).
2010. Report: Millions in area at risk of being denied insurance. The Washington Post (online), May 13, 2010. (accessed October 27, 2010).
2003. Terrorism and probability neglect. Journal of Risk and Uncertainty 26: 121–36.
2010. (Over)insuring modest risks. American Economic Journal: Applied Economics 2: 177–99..
2007. The Black Swan: The Impact of the Highly Improbable. New York, NY: Random House.
1985. Mental accounting and consumer choice. Marketing Science 4: 199–214.
2008. Nudge: Improving Decisions about Health, Wealth and Happiness. New Haven, CT: Yale University Press., and .
1982. The Invisible Bankers: Everything the Insurance Industry Never Wanted You to Know. New York: Simon & Schuster..
2005. The National Flood Insurance Program’s Mandatory Purchase Requirement: Policies, Processes, and Stakeholders. Washington, DC: American Institutes for Research., and .
2010. FlightGuard AD&D overview. (accessed July 10, 2010)..
2010. Health spending projections through 2019: The recession’s impact continues. Health Affairs 29: 522–9., , , , , , , and .
1991. Loss aversion in riskless choice: A reference-dependent model. Quarterly Journal of Economics 106: 1039–61., and .
1988. Contingent weighting in judgment and choice. Psychological Review 95: 371–84., , and .
1990. The causes of preference reversal. American Economic Review 80: 204–17.., , and .
2004. Current Housing Reports, Series H150/03. American Housing Survey for the United States: 2003. Washington, DC: U.S. Government Printing Office..
2008. Current Housing Reports, Series H150/07. American Housing Survey for the United States: 2007. Washington, DC: U.S. Government Printing Office.
2010. Statistical Abstract: the National Data Book. (accessed June 25, 2010).
2004: Interview Survey and Detailed Expenditure Files.. Bureau of Labor Statistics. Consumer Expenditure Survey,
2002. Flood Insurance: Extent of Noncompliance with Purchase Requirements is Unknown. Washington, DC: GAO-02–396..
2008. Flood Insurance: FEMA’s Rate-Setting Process Warrants Attention. Washington, DC: GAO-09–12.
1987. An investigation of the rationality of consumer valuations of multiple health risks. Rand Journal of Economics 18: 465–79., , and .
2008. Financial incentive based approaches for weight loss: A randomized trial. Journal of the American Medical Association 300: 2631–7., , , , , and .
1997. Probabilistic insurance. Journal of Risk and Uncertainty 15: 7–28., , and .
1996. Using time intervals between expected events to communicate risk magnitudes. Risk Analysis 16: 305–8., , and .
2005), TRIA and Beyond: Terrorism Risk Financing in the U.S. Philadelphia: Wharton School, University of Pennsylvania. (
1994. The dynamics of competitive insurance markets. Journal of Financial Intermediation 3: 379–415.
1996. Curvature of the probability weighting function. Management Science 42: 1676–90., and .
1965. Uncertain lifetime, life insurance, and the theory of the consumer. Review of Economic Studies 32: 137–50.
2000. The nonpoor uninsured in California, 1988. Health Affairs 19: 171–7.., , , and .
1970. Medical insurance: A case study of the tradeoff between risk spreading and appropriate incentives. Journal of Economic Theory 2: 10–26.