Risk Management and Insurance Review最新文献

Determinants and value of corporate social responsibility management: Empirical evidence from the insurance industry 企业社会责任管理的决定因素和价值：来自保险业的经验证据

IF 1.1

Risk Management and Insurance Review Pub Date : 2024-08-10 DOI: 10.1111/rmir.12285

Tim Brasch, Christian Eckert

引用次数: 0

Unaffordable, untrustworthy, or unnecessary? Reasons for foregoing building, home contents, and comprehensive car insurance in disaster‐prone Australia 负担不起、不值得信赖还是没有必要？在灾害频发的澳大利亚，放弃建筑、家庭财产和汽车综合保险的原因

IF 1.1

Risk Management and Insurance Review Pub Date : 2024-07-27 DOI: 10.1111/rmir.12284

E. Bourova, Ian Ramsay, Paul Ali

{"title":"Unaffordable, untrustworthy, or unnecessary? Reasons for foregoing building, home contents, and comprehensive car insurance in disaster‐prone Australia","authors":"E. Bourova, Ian Ramsay, Paul Ali","doi":"10.1111/rmir.12284","DOIUrl":"https://doi.org/10.1111/rmir.12284","url":null,"abstract":"In Australia, building, home contents, and comprehensive car insurance facilitate the accumulation of assets associated with rational, responsible citizenship while promising protection in case of events such as fire, flooding, car accident, or theft. Yet many Australians lack these insurance products, risking exposure to devastating financial losses when disaster strikes. This article compares the findings of online surveys of insured and uninsured Australians and explores the factors driving some to forego insurance coverage. Our findings show that inability to afford premiums is a major driver of noninsurance in Australia, particularly for people with low levels of disposable income and assets, or those living in areas affected by rising disaster risk. Yet the decision to forego insurance is also influenced by attitudes to financial matters. Australians who forego insurance have lower levels of trust in insurance and are less likely to consider themselves under a social obligation to be insured. However, contrary to portrayals of the uninsured as risk‐takers, the decision to forego coverage does not appear to be driven by lesser risk aversion among uninsured Australians relative to those who do purchase building, home contents, and comprehensive car insurance policies.","PeriodicalId":35338,"journal":{"name":"Risk Management and Insurance Review","volume":null,"pages":null},"PeriodicalIF":1.1,"publicationDate":"2024-07-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141797719","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

The impact of brokers on ACA marketplace growth 经纪人对 ACA 市场增长的影响

Risk Management and Insurance Review Pub Date : 2024-06-15 DOI: 10.1111/rmir.12280

Aleka Gürel

引用次数: 0

Introduction: The ACA marketplace experience 导言：ACA 市场经验

Risk Management and Insurance Review Pub Date : 2024-06-14 DOI: 10.1111/rmir.12282

Patricia Born, John Kaelin

引用次数: 0

Medical care services interplay between individual and Medicaid managed care markets in expansion versus non‐expansion states 扩展州与非扩展州个人和医疗补助管理性护理市场之间医疗护理服务的相互作用

Risk Management and Insurance Review Pub Date : 2024-05-23 DOI: 10.1111/rmir.12278

Bo Shi, Etti G. Baranoff, T. Sager

{"title":"Medical care services interplay between individual and Medicaid managed care markets in expansion versus non‐expansion states","authors":"Bo Shi, Etti G. Baranoff, T. Sager","doi":"10.1111/rmir.12278","DOIUrl":"https://doi.org/10.1111/rmir.12278","url":null,"abstract":"We study enrollment, medical service utilization, and incurred expenses of individual comprehensive and Medicaid managed care plans in states with or without Medicaid expansion adopted at the Affordable Care Act (ACA) early stage 2014–2016. To make healthcare services more accessible, 27 states expanded Medicaid eligibility to cover nearly‐poor non‐elderly adults who have had incomes between 100% and 138% of federal poverty level in 2014. In non‐expansion states, early enrollees in this income cohort had to choose individual market plans rather than Medicaid. Early enrollees' enrollment choices and their health status have had a great impact on the individual market premiums and Medicaid spending. We examined health insurers' annual regulatory filings with the National Association of Insurance Commissioners for 2013–2016 and found that: First, individual comprehensive insurance enrollment grew much faster in states not expanding Medicaid eligibility. Second, after incorporating early enrollees, per member per month (PMPM) medical service utilization and expenses of individual comprehensive insurance grew much faster in non‐expansion states. Third, among major types of medical utilization and expense measures, PMPM hospital inpatient days and PMPM prescription drug expenses increased substantially since 2014. Finally, Medicaid beneficiaries generated more PMPM medical utilization and expenses in expansion states.","PeriodicalId":35338,"journal":{"name":"Risk Management and Insurance Review","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-05-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141103848","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Value and demand for genetic information and ambiguity aversion revisited 基因信息的价值和需求与模糊厌恶再探讨

Risk Management and Insurance Review Pub Date : 2024-05-22 DOI: 10.1111/rmir.12277

Stefan Felder, Dilek Sevim

引用次数: 0

A text mining analysis of European banks' and insurers' disclosures on climate‐related risks 对欧洲银行和保险公司披露的气候相关风险进行文本挖掘分析

Risk Management and Insurance Review Pub Date : 2024-05-10 DOI: 10.1111/rmir.12268

Anna Kraus

引用次数: 0

Heterogeneity in crowd‐out by risk aversion: Assessing the effect of the ACA Medicaid expansion 风险规避挤出的异质性：评估《美国医疗补助法案》（ACA）医疗补助扩展的效果

Risk Management and Insurance Review Pub Date : 2024-05-06 DOI: 10.1111/rmir.12267

Sezen O. Onal

{"title":"Heterogeneity in crowd‐out by risk aversion: Assessing the effect of the ACA Medicaid expansion","authors":"Sezen O. Onal","doi":"10.1111/rmir.12267","DOIUrl":"https://doi.org/10.1111/rmir.12267","url":null,"abstract":"In this study, I estimate the heterogeneity in the crowd‐out of private health insurance by risk aversion with the Medicaid expansion under the Affordable Care Act. Using data from the Health and Retirement Study, I find that the Medicaid expansion led to a decrease in private coverage among risk‐loving individuals by 5 percentage points. However, the expansion did not lead to any meaningful change in private coverage for risk‐averse individuals. This finding suggests that risk‐averse individuals are willing to keep their private coverage, even though they become eligible for Medicaid. This potentially signals a sorting effect into private insurance. Under the assumption that highly risk‐averse individuals typically display superior health conditions, this preferential behavior could signify a form of advantageous selection into private insurance. Furthermore, the expansion increased Medicaid coverage by 3.4 percentage points for risk‐loving individuals, while not causing any discernible change in coverage among risk‐averse individuals. Such differential responses could potentially influence the risk composition of Medicaid coverage, and subsequently impact the cumulative expenditure associated with it.","PeriodicalId":35338,"journal":{"name":"Risk Management and Insurance Review","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-05-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141006415","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Attitudes toward fraudulent behavior and the decision to file first‐party and third‐party bodily injury auto insurance claims 对欺诈行为的态度以及提出第一方和第三方人身伤害汽车保险索赔的决定

Risk Management and Insurance Review Pub Date : 2024-04-19 DOI: 10.1111/rmir.12266

Dana A. Kerr

引用次数: 0

ARIA Membership Information ARIA 会员信息

Risk Management and Insurance Review Pub Date : 2024-04-01 DOI: 10.1111/rmir.12264

引用次数: 0