Curriculum Vitae
FIELDS OF INTEREST
Behavioral Economics, Public Economics, Health Economics
CURRENT EMPLOYMENT
Senior Financial Economist, U.S. Securities and Exchange Commission, April 2023 - Present
PROFESSIONAL EXPERIENCE
Senior Economist, RAND Corporation, June 2018 – March 2023
Professor of Economics, Pardee RAND Graduate School, 2014 – Present
Director, RAND Center for Financial and Economic Decision Making January 2020 – March 2023
Director, RAND Behavioral Finance Forum, 2017-2019
Economist, RAND Corporation, September 2012 – June 2018
Assistant Professor, Department of Economics, Netspar, and CentER, Tilburg University, September, 2005 – May, 2012
Research Fellow, Robert Wood Johnson Scholars in Health Policy Research Program, Harvard University, August 2003 – July 2005
EDUCATION
Stanford University, Ph.D., Economics, September 2003
University of Michigan, B.A. with Honors and High Distinction, Economics, May 1996
PUBLICATIONS
Katherine G. Carman, Kathryn Anne Edwards, Kristine Brown. 2022. “Pathways to Retirement Among Dual Earning Couples.” The Journal of the Economics of Ageing. Volume 22, June 2022, Article 100384.
Ryan Best, Katherine G. Carman, Andrew M. Parker, and Ellen Peters. 2022. "Age Declines in Numeracy: An Analysis of Longitudinal Data." Psychology and Aging. Volume 37, Number 3, pp. 298–306.
Breslau, Joshua, Elizabeth Roth, Matthew Baird, Katherine Carman, and Rebecca Collins. 2021. "A Longitudinal Study of Predictors of Serious Psychological Distress during COVID-19 Pandemic". Psychological Medicine, 1-9. Published Online. doi:10.1017/S0033291721004293.
Alicia Locker, Melissa Finucane, Elizabeth Roth, Katherine Carman, Joshua Breslau, (2021) “Nationally Representative Sample Shows an Increase in Domestic Conflict Early in the COVID-19 Pandemic.” Disaster Medicine and Public Health Preparedness. 1-4. Published Online. doi:10.1017/dmp.2021.134
Katherine Carman, Anita Chandra, Carolyn Miller, Christopher Nelson, and Jhacova Williams. 2021. “Americans’ View of the Impact of COVID-19: Perspectives on Racial Impacts and Equity” Journal of Health Politics, Policy and Law. Volume 46, Number 5, October 2021, pp. 889-924.
Wandi Bruine de Bruin, Katherine Carman, and Andrew Parker. 2021. “Mental associations with COVID-19 and how they relate with self-reported protective behaviors: A national survey in the United States.” Social Science and Medicine. Volume 275, April 2021, 113825.
Vivian L. Towe, Linnea Warren May, Wenjing Huang, Laurie T. Martin, Katherine Carman, Carolyn E. Miller and Anita Chandra. 2021. “Drivers of differential views of health equity in the U.S.: is the U.S. ready to make progress? Results from the 2018 National Survey of Health Attitudes.” BMC Public Health, 21(1), 175. https://doi.org/10.1186/s12889-021-10179-z
Katherine Carman, Jodi Liu, and Chapin White. 2020. “Accounting for the burden and redistribution of health care costs: Who uses care and who pays for it?” Health Services Research, 55(2), pp. 224-231. https://onlinelibrary.wiley.com/doi/10.1111/1475-6773.13258
Andrew Parker, Amanda Edelman, Katherine Carman, and Melissa Finucane (2020). “On the need for prospective disaster survey panels.” Disaster Medicine and Public Health Preparedness, 14 (3), 299-301 doi:10.1017/dmp.2019.94.
Wandi Bruine de Bruin and Katherine Carman. 2018. “Measuring subjective probabilities: The effect of response mode on the use of focal responses, validity, and respondents’ evaluations.” Risk Analysis, 38(10), pp. 2128-2143.
Mary Burke and Katherine Carman. 2017.“You can be too thin (but not too tall): Social Desirability Bias in Self-Reports of Weight and Height.” Economics of Human Biology, 27(A), pp. 198-222.
Maximiliane Hoerl, Amelie Wuppermann, Silvia H Barcellos, Sebastian Bauhoff, Joachim Winter, and Katherine Carman. 2017. “Knowledge as a predictor of insurance coverage under the Affordable Care Act.” Medical Care, 55(4), pp. 428–435.
Laurie T. Martin, Alonzo Plough, Katherine Carman, Laura Leviton, Olena Bogdan, and Carolyn E. Miller. 2016. “Strengthening Integration Of Health Services And Systems”, Health Affairs, 35(11), pp. 1976-1981.
Katherine Carman and Gema Zamarro. 2016. “Does Financial Literacy Contribute to Food Security?” International Journal of Food and Agricultural Economics, 4(1), pp. 1-19.
Katherine Carman, Christine Eibner and Susan Paddock. 2015. “Trends in Health Insurance Enrollment, 2013-15.” Health Affairs, June 2015, 34(6), pp. 1044-1048.
Katherine Carman and Peter Kooreman. 2014. “Probability Perceptions and Preventive Health Care” Journal of Risk and Uncertainty, 49(1), pp. 43-71.
Silvia Helena Barcellos, Amelie C. Wuppermann, Katherine Carman, Sebastian Bauhoff, Daniel L. McFadden, Arie Kapteyn, Joachim K. Winter, and Dana Goldman. 2014. “Americans are ill prepared for the Affordable Care Act” PNAS: Proceedings of National Academy of Sciences, 111(15), pp. 5497-5502.
Katherine Carman and Ilaria Mosca. 2014. “Who Takes Advantage of Free Flu Shots? Examining the Effects of an Expansion in Coverage” De Economist, 162(1), pp. 1-17.
Katherine Carman. 2013. “Inheritances, Intergenerational Transfers, and the Accumulation of Health” American Economic Review Papers and Proceedings, 103(3), pp. 451-455.
Katherine Carman and Lei Zhang. 2012. “Classroom Peer Effects: Evidence from a Chinese Middle School” China Economic Review, 23( 2), pp. 223-237.
Wandi Bruine de Bruin and Katherine Carman. 2012. “Measuring risk perceptions: What does the excessive use of 50% mean?" Medical Decision Making, 32(2), pp. 232-236.
Johannes Binswanger and Katherine Carman. 2012. “How Real People Make Long-term Decisions: The Case of Retirement Preparation” Journal of Economic Behavior and Organization, 81(1), pp. 39-60.
Katherine Carman and Ilaria Mosca. 2011. “Evaluatie van de leeftijdgrensverlaging voor de griepprik” (article in Dutch Evaluating the Expansion of Eligibility for the Flu Shot) ESB, 96, pp. 411-412.
B. Douglas Bernheim, Katherine Carman, Jagadeesh Gokhale, Laurence J. Kotlikoff. 2003. “Are Life Insurance Holdings Related to Financial Vulnerabilities?” Economic Inquiry, 41(4), pp. 531-554.
Book Chapters
Sebastian Bauhoff, Katherine Carman, and Amelie Wuppermann, A. 2020. "Financial Literacy and Consumer Choice of Health Insurance: Evidence from Low-income Populations in the United States", in Transforming Health Care (Advances in Health Care Management, Vol. 19) Ed: Hefner, J.L., Al-Amin, M., Huerta, T.R., Aldrich, A.M. and Griesenbrock, T.E. (Ed.), Emerald Publishing Limited, pp. 115-128.
Katherine Carman and Peter Kooreman. 2010. “Social Interactions and Obesity: An Economist’s Perspective” in Obesity Prevention: The Role of Society and Brain on Individual Behavior. Ed. Laurette Dube, Antoine Bechara, Alain Dagher, Adam Drewnowski, Jordan LeBel, Philip James and Rickey Y. Yada. Amsterdam: Elsevier, 2010. pp. 757-765.
Peer-Reviewed RAND Publications
Katherine Carman, Michael Dworsky, Sara E. Heins, Nabeel Qureshi, Daniel Schwam, Shoshana R. Shelton, Christopher M. Whaley. 2022. State All Payer Claims Databases Understanding the Current Landscape and Challenges to Use. Santa Monica, CA: RAND. PR-A1857-1.
Matthews, Luke J., Andrew M. Parker, Katherine Carman, Rose Kerber, and Jennifer Kavanagh. 2022. Individual Differences in Resistance to Truth Decay: Exploring the Role of Reasoning and Cognitive Biases, Santa Monica, Calif.: RAND Corporation, RR-A112-17, 2022.
Jessie Coe, Rajeev Rachmand, Carrie Farmer, Katherine Carman, 2021. “American Perspectives on Veterans: A July–September 2021 American Life Panel Survey About Americans' Support for Veterans' Benefits and Services” Santa Monica, CA: RAND. RR-A1363-1.
Katherine Carman, Anita Chandra, Delia Bugliari, Christopher Nelson, Carolyn Miller. 2021. “COVID-19 and the Experiences of Populations at Greater Risk: Description and Top-Line Summary Data — Wave 4, Fall 2021.” Santa Monica, CA: RAND. RR-A764-4.
Katherine Carman and Michael Dworsky. 2021. “Transitions in Coverage: Colorado 2011-2017” Santa Monica, CA: RAND. PR-A1552-2.
Katherine Carman, Michael Dworsky, Asa Wilks, Colleen McCullough, and Christopher Whaley. 2021. “Health Status and Transitions in Medicaid Coverage: Evidence from the Colorado All-Payer Claims Database.” Santa Monica, CA: RAND. PR-A1552-1.
Katherine Carman, Michael Dworsky, Sara Heins, Dan Schwam, Shoshana Shelton, Christopher Whaley. 2021. “The History, Promise and Challenges of State All Payer Claims Databases Background Memo for the State All Payer Claims Database Advisory Committee to the Department of Labor.” Santa Monica, CA: RAND. PR-A1396-1.
Katherine Carman, Anita Chandra, Delia Bugliari, Christopher Nelson, Carolyn Miller. 2021. “COVID-19 and the Experiences of Populations at Greater Risk: Description and Top-Line Summary Data — Wave 3, Winter 2020.” Santa Monica, CA: RAND. RR-A761-3.
Katherine Carman, Anita Chandra, Delia Bugliari, Christopher Nelson, Carolyn Miller. 2020. “COVID-19 and the Experiences of Populations at Greater Risk: Description and Top-Line Summary Data — Wave 2, Fall 2020.” Santa Monica, CA: RAND. RR-A761-2.
Katherine Carman, Anita Chandra, Delia Bugliari, Christopher Nelson, Carolyn Miller. 2021. “COVID-19 and the Experiences of Populations at Greater Risk: Description and Top-Line Summary Data — Wave 2, Fall 2020.” Santa Monica, CA: RAND. RR-A761-2.
Katherine Carman and Shanthi Nataraj. 2020. “Heading into the Holidays, Americans' Financial Difficulties Continue” Santa Monica, CA: RAND. RR-A308-10.
Philip Armour, Katherine Carman, Kathleen J. Mullen, Shanthi Nataraj. 2020. “Telecommuting and Work in the COVID-19 Pandemic: Are Workers Returning to the Workplace or Staying in Their Home Offices?” Santa Monica, CA: RAND. RR-A308-11.
Jennifer Kavanagh, Katherine Carman, Maria DeYoreo, Nathan Chandler, Lynn E. Davis. 2020. “The Drivers of Institutional Trust and Distrust: Exploring Components of Trustworthiness” Santa Monica, CA: RAND. RR-A112-7.
Katherine Carman, Anita Chandra, Delia Bugliari, Christopher Nelson, Carolyn Miller. 2020. “COVID-19 and the Experiences of Populations at Greater Risk: Description and Top-Line Summary Data — Wave 1, Summer 2020.” Santa Monica, CA: RAND. RR-A761-1.
Katherine Carman, Rachel Reid, and Cheryl Damberg. 2020. “Advancing the Development of a Framework to Capture Non–Fee-for-Service Health Care Spending for Primary Care.” Santa Monica, CA: RAND. RR-A204-1.
Philip Armour, Katherine Carman, Kathleen J. Mullen, Shanthi Nataraj. 2020. “The COVID-19 Pandemic and the Changing Nature of Work: Lose Your Job, Show Up to Work, or Telecommute?” Santa Monica, CA: RAND. RR-A308-4.
Katherine Carman and Shanthi Nataraj. 2020. “How Are Americans Paying Their Bills During the COVID-19 Pandemic?” Santa Monica, CA: RAND. RR-A308-3.
Katherine Carman and Shanthi Nataraj. 2020. “2020 American Life Panel Survey on Impacts of COVID-19” Santa Monica, CA: RAND. RR-A308-1.
Katherine Carman, Anita Chandra, Sarah Weilant, Carolyn Miller, and Margaret Tait. 2019. “2018 National Survey of Health Attitudes: Description and Top-Line Summary Data” Santa Monica, CA: RAND. RR-2876-RWJF.
Hung, Angela A., Katherine G. Carman, Jennifer Cerully, Jeff Dominitz, Kathryn Edwards, 2018. “Investor Testing of Form CRS Relationship Summary” Santa Monica, Calif: RAND Corporation.
Scholl, Brian, Angela A. Hung, Alycia Chin, Drew M. Anderson, Michelle Bongard, Katherine Carman, Noreen Clancy, Jeff Dominitz, Theresa Kelly, Sean McKenna, Benjamin Smith, Margaret Tankard, and Paul Steinberg, 2018. “The Retail Market for Investment Advice” Santa Monica, Calif: RAND Corporation, U.S. Securities and Exchange Commission, Office of the Investor Advocate, 2018.
“Misleading 'Free' Trials and Subscription Traps for Consumers in the EU” (with Charlene Rohr, Salar Jahedi, and Sonia Sousa, September 2017.
Christine Buttorff, Katherine Carman, and Christine Eibner. 2017. “The Benefits and Drawbacks of Alternative Tax Subsidization Approaches for Health Insurance” Santa Monica, CA: RAND. RR-1961.
Erin A. Taylor, Katherine Carman, Andrea Lopez, Ashley Muchow, Parisa Roshan, and Christine Eibner. 2016. “Consumer Decisionmaking in the Health Care Marketplace” Santa Monica, CA: RAND. RR-1567.
Anita Chandra, Joie Acosta, Katherine Carman, Tamara Dubowitz, Laura Leviton, Laurie T. Martin, Carolyn Miller, Christopher Nelson, Tracy Orleans, Margaret Tait, Matthew Trujillo, Vivian Towe, Douglas Yeung, Alonzo L. Plough. 2016. “Building a National Culture of Health: Background, Action Framework, Measures, and Next Steps” Santa Monica, CA: RAND. RR-1199.
Katherine Carman, Anita Chandra, Carolyn Miller, Matthew Trujillo, Douglas Yeung, Sarah Weilant, Christine DeMartini, Maria Orlando Edelen, Wenjing Huang, Joie Acosta. 2016. “Development of the Robert Wood Johnson Foundation National Survey of Health Attitudes” Santa Monica, CA: RAND. RR -1391-RWJ.
Rebecca Herman, Angela A. Hung, Jeremy Burke, Katherine Carman, Noreen Clancy, Julia H. Kaufman, and Katie Wilson. 2015. “Development of a K–12 Financial Education Curriculum Assessment Rubric” Santa Monica, CA: RAND. RR -1142.
Katherine Carman and Christine Eibner. 2015. “Methodology of the RAND Health Reform Opinion Study” Santa Monica, CA: RAND. RR -947-RC.
Katherine Carman and Christine Eibner. 2015. “Insurance Transitions following the First ACA Open Enrollment Period” Santa Monica, CA: RAND. RR -948-RC.
Katherine Carman and Michael Pollard. 2014. “Methodology of the RAND Midterm 2014 Election Panel” Santa Monica, CA: RAND. RR -854-RC.
Katherine Carman and Christine Eibner. 2014. “Changes in Health Insurance Enrollment Since 2013: Evidence from the RAND Health Reform Opinion Study” Santa Monica, CA: RAND. RR -656-RC.
WORKING PAPERS
“Retirement Security and Financial Decision Making” (with Phillip Armour and Angela Hung)
“Alternative Pathways to Retirement in a Household Context” (with Kristine Brown and Kathryn Edwards)
“Household Retirement Saving: The Location of Savings Between Spouses” (with Angela Hung)
“Misreporting of weight and height: does location matter, and why?” (with Mary Burke)
“Understanding and Shaping Health Values and Priorities” (with Anita Chandra, Carolyn Miller, and Matt Trujillo)
“Mental Accounting Matters: Evidence from Military Housing” (with Paul Heaton)
"The Impact on Consumption and Savings of Current and Future Fiscal Policies" with Jagadeesh Gokhale, Laurence J. Kotlikoff, NBER Working Paper No. 10085, November, 2003.
COURSES
Health Economics and Aging (Masters), Tilburg University, 2006- 2011, 2013
Microeconomics 4: Information Economics (Bachelors), Tilburg University, 2011
Institutions and Incentives (Bachelors), Tilburg University, 2006- 2010
Comparative Public Economics (Bachelors), Tilburg University, 2007- 2008
SELECTED GRANTS AND FELLOWSHIPS
Michigan Retirement and Disability Research Center, Principal Investigator, Disparities in Social Security Knowledge and the Role of Social Capital, 2021-2022
National Science Foundation, Principal Investigator, Employer and Employee Behaviors, Experiences, and Perceptions of the COVID-19 Pandemic. 2021-2023
National Science Foundation, Principal Investigator, RAPID: Employer and Employee Behaviors, Experiences and Perceptions of the Pandemic. 2020-2022
National Science Foundation, Co-Principal Investigator, RAPID: Evolution of Public Risk Perception and Mental Models Regarding COVID-19.. 2020-2022
National Institute of Aging, Co-Investigator, An Investigation of the Effect of Social Security Disability Insurance on the Health of Non-disabled Spouses, 2018 – 2021
Department of Health and Human Services: Assistant Secretary for Planning and Evaluation, Task Lead, Building Analytic Capability for Monitoring & Evaluation of Implementation of ACA, 2017
Robert Wood Johnson Foundation, Co-Investigator, Developing an Analytic Framework and Measurement System to Advance and Monitor RWJF's Vision for a Culture of Health, 2013-2019
Alfred P. Sloan Foundation, Principal Investigator, Explaining Joint Work‐to‐Retirement Trajectories, 2015-2018
EU Consumers, Health, Agriculture and Food Executive Agency, Task Lead, “Misleading 'Free' Trials and Subscription Traps for Consumers in the EU”, 2015-2016
Department of Labor, Co-Principal Investigator, Understanding Household Retirement Savings, 2015-2016
RAND Internal Research Award, Principal Investigator, RAND Midterm 2014 Election Panel, 2014
RAND Aging Center Pilot Grant, Principal Investigator, Precursors to Dementia in the HRS, 2014-2015
USC/RAND Roybal Center in Financial Decision Making, Co-Principal Investigator, Financial Capability and Trust, 2014
RAND Bing Center Investment Award, Principal Investigator, Take up of Insurance under the Affordable Care Act, 2014
RAND Internal Research Award, Principal Investigator, Tracking Public Opinion of the Affordable Care Act, 2013-2014
RAND Bing Center Investment Award, Principal Investigator, How do Reference Groups Affect Perceptions of Overweight Status? 2013
PROFESSIONAL ACTIVITIES
Committees: Tilburg University: Job Placement Committee 2008-2012, Junior Search Committee 2008-2009
Presentations:
2003: Association for Research on Nonprofit Organizations and Voluntary Action; Harvard University Applied Statistics Seminar.
2004: Harvard University/MIT Public Economics Seminar; Robert Wood Johnson Scholars in Health Policy Research Annual Meeting; University of New Hampshire, Public Economics Seminar.
2005: University of North Carolina Department of Public Policy; Federal Reserve Board of Governors; Clemson University Department of Economics; Mathematica; Tilburg University; University of California at Santa Cruz; Brandeis University; Notre Dame University; Government Accountability Office; US Department of Treasury; Robert Wood Johnson Scholars in Health Policy Research Annual Meeting.
2006: Allied Social Sciences Association Meetings.
2007: American Economic Association Annual Meeting; ABP/VU/Netspar Workshop; CERP Workshop on the Economics of Aging; Utrecht School of Economics; IHEA World Congress; Conference on Subjective Probabilities and Expectations: Methodological Issues and Empirical Applications to Economic Decision-making; RAND.
2008: American Economic Association; ASHE Biannual Conference; Netspar Pension Workshop; Conference on Understanding Economic Decisionmaking; Financial Capability colloquium; Netspar Conference on Health and Retirement.
2009: IHEA World Congress; MESS Workshop; CeRP 10th Anniversary Conference. University College Dublin.
2010: Netspar Conference on Economics and Psychology of Lifecycle Decision Making; AMERB 2nd Annual Meeting; Federal Reserve Bank of Boston Seminar; ASHE Biannual Conference; SES and Health across Generations and over the Life Course; SITE: Psychology and Economics 8.0.
2011: ASSA Meetings; Special Session at RES 2011 Annual Conference; IHEA World Congress; Subjective Probability, Utility, and Decision Making conference.
2013: American Economic Association; Tilburg University, RAND Behavioral Finance Forum.
2014: ASHEcon; AAPOR
2015: AAPOR
2016: Michigan Retirement Research Consortium Researcher Workshop; ASHEcon; Consumer Financial Protection Bureau
2017: Michigan Retirement Research Consortium Researcher Workshop; Robert Wood Johnson Sharing Knowledge Conference; AAPOR; Department of Economics CUNY Queen’s College; Boston University; Working Longer Conference at Stanford University, Claremont McKenna Graduate School.
2018: OECD-GFLEC Global Policy Research Symposium to Advance Financial Literacy
2019: Michigan Retirement and Disability Research Consortium Researcher Workshop; Boston Fed; AAPOR; ASHEcon; National Tax Association Annual Meeting.
2020: CIPHER; National Tax Association Annual Meeting.
2021: CIPHER; AAPOR; AcademyHealth ARM.
HONORS AND AWARDS
RAND Spotlight Awards for Mentorship, 2016
Silver Medal Award, RAND Corporation, 2014
Participant, Summer School in Experimental Economics, Max Planck Institute, 2002
NBER Nonprofit Fellowship Award, 2002-2003
Graduate Fellowship, Stanford Economics 1997-1998
Phi Beta Kappa, Alpha of Michigan, 1996
Harold D. Osterweil Prize in Economics, Most Promising Graduating Senior 1996
Michigan Journal of Economics, 1994-1996; Editor-in-Chief, 1995-1996