03175cam a2200457 i 450000100090000000300080000900500170001700600190003400700030005300800410005601000170009701500190011401600180013302000300015102000320018103500240021304000870023704100080032404200140033204300120034605000230035808200130038110000260039424501210042026400460054126400110058730000230059833600260062133700280064733800270067550400670070250503950076952013480116465000300251265000290254265000150257165000250258670000360261170000350264777600350268222461630BJBSDDR20250428145057.0a|||||r|||| 00| 0 ta220311s2022    ctu      b    001 0 eng d  a  2022934606  aGBC3013762bnb7 a0208591582Uk  a9780300274042 (paperback)  z9780300268553q(ePub ebook)  a(OCoLC)on1309867963  aYDXbengerdacYDXdBDXdUKMGBdYDXdFMUdUAPdBKLdFUGdYDXdOCLCFdCDXdCQCdDLC  aeng  alccopycat  an-us---14aHG 8531bE35r 202200a368/.9731 aEinav, Liran, d1970-10aRisky business :bwhy insurance markets fail and what to do about it /cLiran Einav, Amy Finkelstein and Ray Fisman. 1aNew Haven :bYale University Press,c2022 4c©2022  a271 pages ;c22 cm  atextbtxt2rdacontent  aunmediatedbn2rdamedia  avolumebnc2rdacarrier  aIncludes bibliographical references (pages 245-265) and index.0 aPrologue : Overlooked no more -- Part I : Setting the scene. Death of a market ; Into the wild ; The two-thousand-year-old market -- Part II : Much ado about selection. The price isn't right ; Opening the chamber of secrets -- Part III : Enter the government. Eat your broccoli! ; You can't do that! ; Business gets the last move -- Epilogue : Selection markets here, there, and everywhere.  a"An engaging and accessible examination of what ails insurance markets--and what to do about it--by three leading economists.   Why is dental insurance so crummy? Why is pet insurance so expensive? Why does your auto insurer ask for your credit score? The answer to these questions lies in understanding how insurance works. Unlike the market for other goods and services--for instance, a grocer who doesn't care who buys the store's broccoli or carrots--insurance providers are more careful in choosing their customers, because some are more expensive than others.   Unraveling the mysteries of insurance markets, Liran Einav, Amy Finkelstein, and Ray Fisman explore such issues as why insurers want to know so much about us and whether we should let them obtain this information; why insurance entrepreneurs often fail (and some tricks that may help them succeed); and whether we'd be better off with government-mandated health insurance instead of letting businesses, customers, and markets decide who gets coverage and at what price. With insurance at the center of divisive debates about privacy, equity, and the appropriate role of government, this book offers clear explanations for some of the critical business and policy issues you've often wondered about, as well as for others you haven't yet considered.:--cProvided by publisher. 0aInsurancezUnited States. 4aSeguros zEstados Unidos 0aInsurance. 0aInsurance exchanges.1 aFinkelstein, Amy Nadya, d1973-1 aFisman, Raymond John, d1971- 08iebook version :z9780300268553