Carpenter Morse Group |
Prime Pensions, Inc. |
United 401(k) Plans, Inc. |
Retirement, LLC |
Nicholas Pension Consultants |
Retirement Plan Relationship Manager ERISA Services, Inc. |
Bates & Company |
Central Pension Fund of the IUOE |
Retirement Plan Legal Specialist Pentegra |
Compass Retirement Consulting Group, Inc. |
Nova 401(k) Associates |
Trucker Huss, A Professional Corporation |
Central Pension Fund of the IUOE |
Defined Benefit Calculation Specialist/Actuary The Angell Pension Group, Inc. |
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Should There Be Vertical Choice in Health Insurance Markets? National Bureau of Economic Research [NBER]; purchase required for full document ![]() May 10, 2021 "When premiums cannot reflect individual costs, consumers may not select their efficient coverage level. We show that vertical choice is efficient only if consumers with higher willingness to pay for insurance have a higher efficient level of coverage. Using administrative data from a large public employer, we investigate this condition empirically and find that the welfare gains from vertical choice are either zero or economically small." |
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