Publications

March 2021
Article

Active Choice, Implicit Defaults, and the Incentive to Choose

By: John Beshears, James J. Choi, David Laibson and Brigitte C. Madrian

Home-delivered prescriptions have no delivery charge and lower copayments than prescriptions picked up at a pharmacy. Nevertheless, when home delivery is offered on an opt-in basis, the take-up rate is only 6%. We study a program that makes active choice of either home... View Details

Keywords: Active Choice; Defaults; Implicit Defaults; Incentives; Consumer Behavior; Decision Choices and Conditions; Motivation and Incentives

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31 Aug 2020
Working Paper Summaries

The Pass-Through of Uncertainty Shocks to Households

Keywords: by Marco Di Maggio, Amir Kermani, Rodney Ramcharan, Vincent Yao, and Edison Yu

Research Summary

Work in Progress

"Chapter 11 vs. Chapter 7 Bankruptcy: Impact on Asset Productivity" (with Shai Bernstein)
"The Externalities of Bankruptcy" (with Shai Bernstein)
"Bridge Loans as M&A Insurance Contracts" (with Victoria Ivashina)

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February 2012 (Revised August 2014)
Supplement

Poles Apart on PZU (B)

By: Francesca Gino, Vincent Dessain, Karol Misztal and Michael Khayyat

In September 2008, the Polish State Treasury and the Dutch insurer Eureko were wondering if they were ready for reaching an amicable solution on PZU. If so, for how much and under what conditions should they settle so that they, as well as PZU, are satisfied? If not,... View Details

Keywords: Negotiation Process; Agreements and Arrangements; Insurance; Insurance Industry; Poland

February 2010 (Revised February 2021)
Case

The Vitality Group: Paying for Self-Care

By: Regina E. Herzlinger

Vitality is part of a $2 billion start-up South African and U.K. health insurance firm. It has achieved excellent results in rewarding people for promoting their health. It is now contemplating how to enter the U.S. market. View Details

Keywords: Market Entry and Exit; Insurance Industry; South Africa; United Kingdom; United States

August 2003 (Revised April 2005)
Case

Old Tex College

By: Regina E. Herzlinger and Ray Herschman

Requires student to choose among the following health insurance options for employers: number of plans offered, managed care and consumer-driven options, and self-funding vs. full insurance. Teaching purpose: To Understand the design of health insurance. Includes color... View Details

Keywords: Insurance; Health; Health Care and Treatment; Compensation and Benefits; Employees

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30 Mar 2021
Video

Hive Health Co-Grand Prize Winner 2021 New Venture Competition Student Business Track

December 1994 (Revised October 1996)
Case

Byrnes, Byrnes & Townsend: Case and Simulation

Designed to be used in conjunction with Patriot National Insurance Co. Discusses a suit brought by a woman client who was badly injured in an automobile accident and alleges that a proximate cause of the accident was faulty repairs on her car by a Patriot-insured auto... View Details

Keywords: Negotiation; Insurance; Insurance Industry

3 Jun 2023
Talk

Health Care Innovation Opportunities Created by COVID-19 and How to Make Them Happen

By: Regina E. Herzlinger

The crush of patients created by COVID enabled the creation of sites for care outside the traditional hospital, such as retail pharmacies, ambulatory surgery centers, urgent care centers, telemedicine, and wireless sensors. Public policy mirrored these changes by... View Details

Keywords: Policy; Health Pandemics; Health Care and Treatment; Innovation and Invention; Insurance Industry; Insurance Industry

27 Oct 2016
News

Public Programs Encourage Entrepreneurship

November 2015 (Revised February 2016)
Case

Allianz Turkey: Focus on the Customer (A)

By: W. Earl Sasser and Gamze Yucaoglu

At the age of 39, Solmaz Altın took over the helm at Allianz Turkey. Solmaz quickly realized that, although the insurance market was thinly penetrated in Turkey, the company was operating in a very competitive environment with pressure on prices and, hence, cost... View Details

Keywords: Service Excellence; Customer Experience; Customer Service; Emerging Market; Customer Focus; Net Promoter Score; Customer Relationship Management; Competition; Leading Change; Service Operations; Emerging Markets; Customer Satisfaction; Insurance Industry; Turkey

05 Aug 2002
Research & Ideas

Are Consumers the Cure for Broken Health Insurance?

The health insurance system in the United States is broken, and business is paying the price. Employers' insurance premiums reached an estimated $450 billion in 2000, and then shot up again, at three times... View Details

Keywords: by Regina E. Herzlinger

September 1997
Case

Radiology Management Sciences

Radiology Management Sciences (RMS) analyzes diagnostic imaging claims to help HMOs and insurers control utilization. As industry changes threaten RMS's profitability, the company's founders contemplate two alternative business models. View Details

Keywords: Business Model; Industry Growth; Service Industry; Health Industry