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A little about me:
A little about me:
I am a Professor at the Wisconsin School of Business at the University of Wisconsin, Madison and the current department chair for the department of Risk and Insurance. I hold the American Family Distinguished Chair in Risk Management and Insurance. I am an applied microeconomist specializing in behavioral economics. My interests are wide-ranging and eclectic and include the study of health insurance and broader insurance decisions, issues surrounding self-control and commitment, and discrimination.
Here is a link to my CV [pdf].
Here is my google scholar page.
Published and Forthcoming Papers
Liquidity Constraints and the Value of Insurance with Keith M. Ericson, forthcoming American Economic Journal: Microeconomics.
Impact of Consequence Information on Insurance Choice. with Anya Samek, forthcoming at the Review of Economics and Statistics (also as NBER Working Paper 28003, 2020).
Who Chooses Commitment? Evidence and Welfare Implications with Mariana Carrera, Heather Royer, Mark Stehr and Dmitry Taubinsky, Review of Economic Studies. Vol89:3, 1205-1244, 2022 Here is our study instructions appendix.
Time to Repay or Time to Delay? The Effect of Having More Time Before a Payday Loan is Due with Susan Carter, Kuan Liu and Paige Skiba, American Economic Journal: Applied Economics, Vol 14:4, 91-126, 2022. Here is our online appendix.
Dominated Options in Health-Insurance Plans with Chenyuan Liu, American Economic Journal: Economic Policy, Vol 14:1, 277-300, 2022. Here is our online appendix.
Trends in Medicaid Enrollment and Disenrollment During the Early Phase of the COVID-19 Pandemic in Wisconsin with Laura Dague, Nicolas Badaracco, Thomas DeLeire, Alyssa Shell Tilhou, and Donna Friedsam, JAMA Health Forum, 3(2), 2022.
Insurance Demand Experiments Comparing crowdworking to the lab with Johannes Jaspersen and Marc Ragin, Journal of Risk and Insurance, Vol 89:4, 1077-1107, 2022.
Predicting Insurance Demand from Risk Attitudes with Johannes Jaspersen and Marc Ragin, Journal of Risk and Insurance, Vol 89:1, 63-96, 2022.
The Structure of Health Incentives: Evidence from a Field Experiment with Mariana Carrera, Heather Royer and Mark Stehr, Management Science, Vol 66:5, 1783-2290, 2020. Here is a link to our online appendix.
Linking Subjective and Incentivized Risk Attitudes: The Importance of Losses with Johannes G. Jaspersen and Marc A. Ragin, Journal of Risk and Uncertainty, Vol 60, 187-206, 2020.
Applying for Jobs in the Lab: The Effect of Risk Attitudes and Reference Points, with Mette T. Damgaard, Journal of Behavioral and Experimental Economics, Vol 79: 165-179, 2019.
The Limits of Simple Implementation Intensions: Evidence from a Field Experiment on Making Plans to Exercise, with Mariana Carrera, Heather Royer, Mark Stehr and Dmitry Taubinsky, Journal of Health Economics, Vol 62: 95-104, 2018.
Can Financial Incentives Help People Trying to Establish New Habits? Experimental Evidence with New Gym Members, with Mariana Carrera, Heather Royer and Mark Stehr, Journal of Health Economics, Vol 58, 202-214, 2018.
The Questionable Value of Having a Choice of Levels of Health Insurance Coverage with Keith Marzilli Ericson, Journal of Economic Perspectives, Vol 31:4, 51-72, 2017.
Choose to Lose: Health Plan Choices from a Menu with Dominated Options with Saurabh Bhargava and George Loewenstein, Quarterly Journal of Economics, Vol 132:3, 1319-1372, 2017.
Circulated previously under the titles "Do individuals make sensible health insurance decisions? Evidence from a menu with dominated options" and "Evaluating Health Insurance Decisions: Health Plan Choices from a Menu with Dominated Options"
Incentives for Loan Repayments: Evidence from a Randomized Field Study with J. Michael Collins and Leah Gjertson, Journal of Consumer Affairs, doi:10.1111/joca.12142, 2017.
The Effects of Savings on Risk Attitudes and Intertemporal Choices with Leandro Carvalho and Silvia Prina, Journal of Development Economics, Vol 120, 41-52, 2016.
Bid Takers or Market Makers? The Effect of Auctioneers on Auction Outcomes with Nicola Lacetera, Bradley Larsen, and Devin Pope, American Economic Journal: Microeconomics, Vol 8:4, 195-229, 2016.
The Role of Pregnancy in Micro Health Insurance: Evidence of Adverse Selection from Pakistan with Yi (Kitty) Yao and Joan Schmit, Journal of Risk and Insurance, doi:10.1111/jori.12131, 2015.
Behavioral Economics: Economics as a Psychological Discipline with Devin Pope, in the Wiley Blackwell Handbook of Judgement and Decision Making (eds G. Keren and G. Wu), John Wiley & Sons, Ltd, Chichester, UK, 2015.
Focal Points and Bargaining in Housing Markets with Devin Pope and Jaren Pope, Games and Economic Behavior, Vol 93, 89-107, 2015.
Incentives and Commitments for Exercise: Evidence from a Field Experiment with Workers at a Fortune 500 Company with Heather Royer and Mark Stehr, American Economic Journal: Applied Economics, Vol 7:3, 51-84, 2015.
Would You Buy a Honda Made in the U.S.? The Impact of Production Location on Manufacturing Quality with Nico Lacetera. Review of Economics and Statistics, Vol 97:4, 855-876, 2015.
Estimating the Effect of Salience in Wholesale and Retail Car Markets with Megan Busse, Nico Lacetera, Devin Pope and Jorge Silva-Risso, American Economic Review Papers and Proceedings, Vol 103:3, 575-579, 2013.
Heuristic Thinking and Limited Attention in the Car Market with Nico Lacetera and Devin Pope, American Economic Review, Vol 102:5, pp 2206-36, 2012.
Implementing Anti-Discrimination Policies in Statistical Profiling Models with Devin Pope, American Economic Journal: Economic Policy, Vol 3:3, pp 206-31, 2011
What's in a Picture? Evidence of Discrimination from Prosper.com with Devin Pope, Journal of Human Resources. Vol 46:1 pg 53-92, 2011.
Digit Ratios (2D:4D) as Predictors of Risky Decision Making with Robert Slonim and Ellen Garbarino, Journal of Risk and Uncertainty, Vol 42:1, pg 1-26, Feb 2011. Here is a link to the supplementary materials for the paper.
Geographic Variation in the Differences in Test Scores with Devin Pope, Journal of Economic Perspectives, Vol 24:2 Spring 2010.
(Over)Insuring Modest Risks, American Economic Journal: Applied Economics. Vol 2:4 pg 177-199 Oct. 2010.
Working Papers
Biased Memory and Perceptions of Self-Control with Afras Sial and Dmitry Taubinskty, 2023.
Community Rating and Distortions of Relative Prices in Insurance Menus with Honglin Li and Chenyuan Liu, 2024.
Health Plan Choice and Menu Complexity: Evidence from the US ACA Silver Loading Policy with Honglin li and Chenyuan Liu, 2024.
Moral Hazard under Liquidity Constraints with Keith M. Ericson and Johannes Jaspersen, NBER WP 33648. 2025.
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