Scott E. Harrington (2017), Stabilizing Individual Health Insurance Markets with Subsidized Reinsurance, Penn/LDI Issue Brief.
Scott E. Harrington, “U.S. Health Care Reform”. In Research Handbook on the Economics of Insurance Law, edited by Daniel Schwarcz and Peter Siegelman, (Elgar Publishing, 2015)
Mark V. Pauly, Scott E. Harrington, Adam Leive (2015), “Sticker Shock” in Individual Insurance under Health Reform?, American Journal of Health Economics, 1 (), pp. 494-514.
Description: with Mark Pauly and Adam Leive
Scott E. Harrington (2013), Medical Loss Ratio Regulation under the Affordable Care Act, Inquiry, 50 (), pp. 9-26.
Scott E. Harrington, “Cost of Capital for Pharmaceutical, Biotechnology, and Medical Device Firms”. In Handbook of the Economics of the Biopharmaceutical Industry, edited by Patricia Danzon and Sean Nicholson, (Oxford University Press, 2012)
Guy David and Scott E. Harrington (2010), Population Density and Racial Differences in the Performance of Emergency Medical Services, Journal of Health Economics, July 2010, Vol. 29(4), pp 603-615. 10.1016/j.jhealeco.2010.03.004
Abstract: This paper analyzes the existence and scope of possible racial differences/disparities in the provision of emergency medical services (EMS) response capability (time from dispatch to arrival at the scene and level of training of the responding team) using data on approximately 120,000 cardiac incidents in the state of Mississippi during 1995–2004. The conceptual framework and empirical analysis focus on the likely effects of population density on the efficient production of EMS as a local public good subject to congestion, and on the need to control adequately for population density to avoid bias in testing for racial differences. Models that control for aggregate population density at the county-level indicate “reverse” disparities: faster estimated response times for African-Americans than for whites. When a refined county-level measure of population density is used that incorporates differences in African-American and white population density by Census tract, the reverse disparity in response times disappears. There also is little or no evidence of race-related differences in the certification level of EMS responders. However, there is evidence that, controlling for response time, African-Americans on average were significantly more likely to be deceased than whites upon EMS arrival at the scene. The overall results are germane to the debate over the scope of conditioning variables that should be included when testing for racial disparities in health care.
Scott E. Harrington (2010), The Health Insurance Reform Debate, The Journal of Risk and Insurance, 77: 5-38.
Abstract: This article provides an overview of the U.S. health care reform debate and legislation, with a focus on health insurance. Following a synopsis of the main problems that confront U.S. health care and insurance, it outlines the health care reform bills in the U.S. House and Senate, including the key provisions for expanding and regulating health insurance, and projections of the proposals’ costs, funding, and impact on the number of people with insurance. The article then discusses (1) the potential effects of the mandate that individuals have health insurance in conjunction with proposed premium subsidies and health insurance underwriting and rating restrictions, (2) the proposed creation of a public health insurance plan and/or non-profit cooperatives, and (3) provisions that would modify permissible grounds for health policy rescission and repeal the limited antitrust exemption for health and medical liability insurance. It concludes by contrasting the reform bills with market-oriented proposals and with brief perspective on future developments.
Scott E. Harrington (2009), The Financial Crisis, Systemic Risk, and the Future of Insurance Regulation, The Journal of Risk and Insurance, 76: 785-819.
Abstract: This article considers the role of American International Group (AIG) and the insurance sector in the 2007–2009 financial crisis and the implications for insurance regulation. Following an overview of the causes of the crisis, I explore the events and policies that contributed to federal government intervention to prevent bankruptcy of AIG and the scope of federal assistance to AIG. I discuss the extent to which insurance in general poses systemic risk and whether a systemic risk regulator is desirable for insurers or other nonbank financial institutions. The last two sections of the article address the financial crisis's implications for proposed optional and/or mandatory federal chartering and regulation of insurers and for insurance regulation in general.
Patricia M. Danzon and Scott E. Harrington, “The Demand for and Supply of Liability Insurance”. In Contributions to Insurance Economics, edited by Georges Dionne, (1992), pp. 25-60
