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1 References Bajari, P., Hong, H. and Khwaja, A., Moral Hazard, Adverse Selection and Health Expenditures: A Semiparametric Analysis, NBER Working Paper Banks, M.H., Clegg, C.W., Jackson, P.R., Kemp, N.J., Stafford, E.M. and Wall, T.D., The Use of the General Health Questionnaire as an Indicator of Mental Health in Occupational Studies, Journal of Occupational Psychology 53, p Blair, S.N., How to asses exercise habits and physical fitness in: Matarazzo, J.D., Weiss, Sharlene M., Herd, J.A., Miller, N.E. and Weiss, Stephen M., Behavioral Health, John Wiley & Sons, Inc., New York. Blau, D.M., Retirement and Consumption in a Life-Cycle Model, Journal of Labor Economics 26, p Blau, D.M. and Gilleskie, D.B., Health Insurance and Retirement of Married Couples, Journal of Applied Econometrics 21, p Blumberg, L.J., Nichols, L.M. and Banthin, J.S., Worker Decisions to Purchase Health Insurance, International Journal of Health Care Finance and Economics 1, p Bolhaar, J., Advantageous selection in a dynamic framework, Tinbergen Institute Discussion Paper. Bolhaar, J., Lindeboom, M. and Van der Klaauw, B., A Dynamic Analysis of the Demand for Health Insurance and Health Care, Tinbergen Institute Discussion Paper /3, IZA Working Paper 3698, CEPR Discussion Paper Bolhaar, J. and Van der Klaauw, B., Health, Health Insurance and Their Effect on Retirement Behavior, Tinbergen Institute Discussion Paper. Bolhaar, J., Lindeboom, M. and Van der Klaauw, B., Insurance Search and Switching Behavior, Tinbergen Institute Discussion Paper. Bound, J., Stinebrickner, T. and Waidmann, T., Health Economics Resources and the Work Decisions of Older Men, NBER Working Paper 13657, forthcoming in Journal of Econometrics.

2 118 References Brown, J.R. and Finkelstein, A., The Interaction of Public and Pruivate Insurance: Medicaid and the Long-Term Care Insurance Market, American Economic Review 98, p Brown, J.R. and Goolsbee, A., Does the Internet Make Markets More Competitive? Evidence from the Life Insurance Industry, Journal of Political Economy 110, p Buchmueller, T.C., Feldstein, P.J. and Strombom, B.A., Switching Costs, Price Sensitivity and Health Plan Choice, Journal of Health Economics 21, p Buchmueller, T.C., Fiebig, D., Jones, G. and Savage, E., Advantageous Selection in Private Health Insurance: The Case of Australia, CHERE Working Paper 2008/2. Bundorf, M.K., Herring, B. and Pauly, M., Health Risk, Income, and the Purchase of Private Health Insurance, NBER Working Paper Cameron, A.C., Trivedi, P.K., Milne, F. and Piggott, J., A Microeconometric Model of the Demand for Health Care and Health Insurance in Australia, Review of Economic Studies 55, p Cardon, J.H. and Hendel, I., Asymmetric Information in Health Insurance: Evidence from the National Medical Expenditure Survey, The Rand Journal of Economics 32, p Chernew, M., Frick, K. and McLaughlin, C., The Demand for Health Insurance Coverage by Low-Income Workers: Can Reduced Premiums Achieve Full Coverage?, Health Services Research 32, p Chiappori, P.A., Durand, F. and Geoffard, P.Y., Moral Hazard and the Demand for Physician Services: First Lessons from a French Natural Experiment, European Economic Review 42, p Chiappori, P.A. and Salanié, B., Testing for Asymmetric Information in Insurance Markets, Journal of Political Economy 108, p Coile, C.C., Health Shocks and Couples Labor Supply Decisions, NBER Working Paper Colombo, F. and Tapay, N., Private Health Insurance in Ireland: a Case Study, OECD Health Working Papers 10. Colombo, N. and Tapay, F., Private Health Insurance in the Netherlands: A Case Study, OECD Health Working Papers 18. Conniffe, D. and O Neill, D., An Efficient Estimator for Dealing with Missing Data on Explanatory Variables in a Probit Choice Model, NUIM Working Paper #N

3 References 119 Cutler, D., Finkelstein, A. and McGarry, K., Preference Heterogeneity in Insurance Markets: Explaining a Puzzle, American Economic Review Papers and Proceedings 98, p De Meza, D. and Webb, D.C., Advantageous Selection in Insurance Markets, The RAND Journal of Economics 32, p De Nardi, M.C., French, E. and Jones, J.B., Differential Mortality, Uncertain Medical Expenses, and the Saving of Elderly Singles, NBER Working Paper Department of Finance, Commission on Public Service Pensions Final Report, Dublin. Department of Social, Community and Family Affairs, Statistical Information on Social Welfare Services 1998, Dublin. Department of Social, Community and Family Affairs, Statistical Information on Social Welfare Services 1999, Dublin. Department of Social, Community and Family Affairs, Statistical Information on Social Welfare Services 2000, Dublin. Dutch Healthcare Authority (NZa, Nederlandse Zorgautoriteit), De tussenstand op de verzekeringsmarkt. Monitor zorgverzekeringsmarkt juni 2006 (The interim score on the health insurance market. Monitor health insurance market June 2006), Utrecht. Ettner, S.L., Adverse Selection and the Purchase of MediGap Insurance by the Elderly, Journal of Health Economics 16, p Fang, H., Keane, M.P. and Silverman, D., Sources of Advantageous Selection: Evidence from the Medigap Insurance Market, Journal of Political Economy 116, p Finkelstein, A. and McGarry, K., Multiple Dimensions of Private Information: Evidence from the Long-Term Care Insurance, American Economic Review 96, p Frank, R. and Lamiraud, K., Choice, Price Competition and Complexity in Markets for Health Insurance, NBER Working Paper French, E., The Effects of Health, Wealth and Wages on Labor Supply and Retirement Behaviour, Review of Economic Studies 72, p French, E. and Jones, J.B., The effect of health insurance and self-insurance on retirement behavior, Center for Retirement Research (CRR) Working Paper Gruber, J. and Poterba, J., Tax Incentives and the Decision to Purchase Health Insurance: Evidence from the Self-Employed, The Quarterly Journal of Economics 109, p

4 120 References Gustman, A.L. and Steinmeier, T.L., Social Security, Pensions and Retirement Behaviour within the Family, Journal of Applied Econometrics 19, p Harmon, C. and Nolan, B., Health Insurance and Health Services Utilization in Ireland, Health Economics 10, p Health Insurance Authority, The Private Health Insurance Market in Ireland, Dublin. Hemenway, D., Propitious Selection, Quarterly Journal of Economics 105, p Holly, A., Gardiol, H., Domenighetti, G. and Bisig, B., An Econometric Model of Health Care Utilization and Health Insurance in Switzerland, European Economic Review 42, p Hughes, G. and Watson, D., Pensioners Incomes and Replacement Rates in 2000, Economic and Social Research Institute Policy Research Series 54. Hurd, M.D. and McGarry, K., Medical Insurance and the Use of Health Care Services by the Elderly, Journal of Health Economics 16, p Janssen, M.C.W. and Moraga-González, J.L., Strategic Pricing, Consumer Search and the Number of Firms, Review of Economics and Statistics 71, p Janssen, M.C.W., Moraga-González, J.L. and Wildenbeest, M.R., Truly costly sequential search and oligopolistic pricing, International Journal of Industrial Organisation 23, p Jones, A.M., Koolman, X. and Van Doorslaer, E., The Impact of Having Supplementary Private Health Insurance on the Use of Specialists, Annales d Economie et Statistiques 83/84, p Keane, M.P. and Sauer,R.M, A Computationally Practical Simulation Estimation Algorithm for Dynamic Panel Data Models with Unobserved Endogenous State Variables, IZA Discussion Paper Keane, M.P and Wolpin, K.I., The Solution and Estimation of Discrete Choice Dynamic Programming Models by Simulation and Interpolation: Monte Carlo Evidence, The Review of Economics and Statistics 76, p Keane, M.P. and Wolpin, K.I., The Effect of Parental Transfers and Borrowing Constraints on Educational Attainment, International Economic Review 42, p Khwaja, A., Silverman, D., Sloan, F. and Wang, Y., Smoking, Wealth Accumulation and the Propensity to Plan, Economics Letters 94, p Layte, R. and Nolan, B., Equity in the Utilization of Health Care in Ireland, Economic and Social Research Institute Working Paper.

5 References 121 Light, D.W., Keeping Competition Fair for Health Insurance: How the Irish Beat Back Risk-Rated Policies, American Journal of Public Health 88-5, p Liu, T. and Chen C., An Analysis of Private Health Insurance Purchasing Decisions with National Health Insurance in Taiwan, Social Science & Medicine 55, p Love, D.A., Palumbo, M.G. and Smith, P.A., The Trajectory of Wealth in Retirement, Journal of Public Economics 93, p Meer, J. and Rosen H.S., Insurance and the Utilization of Medical Services, Social Science & Medicine 58, p Nelder, J.A. and Mead, R., A Simplex Method for Function Minimization, The Computer Journal 7, p Nolan, B., Gannon, B., Layte, R., Watson, D., Whelan, C.T. and Williams, J., Monitoring Poverty trends in Ireland: Results from the 2000 Living in Ireland Survey, Economic and Social Research Institute. Organisation for Economic Co-operation and Development (OECD), Pensions at a Glance. Public Policies across OECD Countries. Palumbo, M.G., Uncertain Medical Expenses and Precautionary Saving Near the End of the Life Cycle, The Review of Economic Studies 66, p Pauly, M.V., Herring, B. and Song, D., Health Insurance on the Internet and the Economics of Search, NBER Working Paper Pensions Board, Securing Retirement Income. National Pensions Policy Initiative Report of The Pensions Board. To the minister for Social, Community and Family Affairs, Dublin. Phelan, C. and Rust, J., How Social Security and Medicare Affect Retirement Behavior in a World of Incomplete Markets, Econometrica 65, p Pohlmeier, W. and Ulrich, V., An Econometric Model of the Two-Part Decisionmaking Process in the Demand for Health Care, Journal of Human Resources 30, p Propper, C., Constrained Choice Sets in the UK Demand for Private Medical Insurance, Journal of Public Economics 51, p Sauer, R.M., Educational Financing and Lifetime Earnings, The Review of Economic Studies 71, p Savage, E. and Wright, D.J., Moral Hazard and Adverse Selection in Australian Private Hospitals: , Journal of Health Economics 22, p Schut, F.T. and de Bruijn, D., Collectieve Zorgverzekeringen en Risicoselectie, Instituut Beleid en Management Gezondheidszorg, Erasmus Universiteit Rotterdam.

6 122 References Sorensen, A.T., Equilibrium Price Disperion in Retail Markets for Prescription Drugs, Journal of Political Economy 108, p Sorensen, A.T., An Emperical Model of Heterogeneous Consumer Search for Retail Prescription Drugs, NBER Working Paper Stabile, M., Private Insurance Subsidies and Public Health Care Markets: Evidence from Canada, Canadian Journal of Economics 34, p Stahl, D.O., Oligopolistic Pricing with Sequential Consumer Search, American Economic Review 79, p Stratton, D., The Housing Needs of Older People, Age Action Ireland Working Paper, Dublin. Van der Klaauw, W. and Wolpin, K.I., Social Security, Pensions and the Savings and Retirement Behavior of Households, PIER Working Paper Van der Klaauw, W. and Wolpin, K.I., Social Security and the Retirement and Savings Behavior of Low Income Households, Journal of Econometrics 145, p Van Doorslaer, E., Masseria, C. and Koolman, X., Inequalities in Access to Medical Care by Income in Developed Countries, Canadian Medical Association Journal 174, p Vektis, Zorgmonitor. Jaarboek Financiering van de zorg in 2006 (Health care monitor. Yearbook Financing health care in 2006), Zeist. Vera-Hernández, M., Duplicate Coverage and Demand for Health Care. The Case of Catalonia, Health Economics 8, p Watson, D., Living in Ireland Survey- Technical Overview, Irish Social Science Data Archive, Dublin. Wolfe, J.R. and Goddeeris, J., Adverse Selection, Moral Hazard, and Wealth Effects in the Medigap Insurance Market, Journal of Health Economics 10, p Yelowitz, A., The Medicaid Notch, Labor Supply, and Welfare Participation: Evidence from Eligibility Expansion, The Quarterly Journal of Economics 110-4, p

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8 The Tinbergen Institute is the Institute for Economic Research, which was founded in 1987 by the Faculties of Economics and Econometrics of the Erasmus University Rotterdam, University of Amsterdam and VU University Amsterdam. The Institute is named after the late Professor Jan Tinbergen, Dutch Nobel Prize laureate in economics in The Tinbergen Institute is located in Amsterdam and Rotterdam. The following books recently appeared in the Tinbergen Institute Research Series: 419. L. RATNOVSKI, A Random Walk Down the Lombard Street: Essays on Banking R.P. NICOLAI, Maintenance models for systems subject to measurable deterioration R.K. ANDADARI, Local clusters in global value chains, a case study of wood furniture clusters in Central Java (Indonesia) V. KARTSEVA, Designing Controls for Network Organizations: A Value-Based Approach J. ARTS, Essays on New Product Adoption and Diffusion A. BABUS, Essays on Networks: Theory and Applications M. VAN DER VOORT, Modelling Credit Derivatives G. GARITA, Financial Market Liberalization and Economic Growth E. BEKKERS, Essays on Firm Heterogeneity and Quality in International Trade H. LEAHU, Measure-Valued Differentiation for Finite Products of Measures: Theory and Applications G. BALTUSSEN, New Insights into Behavioral Finance W. VERMEULEN, Essays on Housing Supply, Land Use Regulation and Regional Labour Markets I.S. BUHAI, Essays on Labour Markets: Worker-Firm Dynamics, Occupational Segregation and Workplace Conditions C. ZHOU, On Extreme Value Statistics M. VAN DER WEL, Riskfree Rate Dynamics: Information, Trading, and State Space Modeling S.M.W. PHLIPPEN, Come Close and Co-Create: Proximities in pharmaceutical innovation networks A.V.P.B. MONTEIRO, The Dynamics of Corporate Credit Risk: An Intensitybased Econometric Analysis S.T. TRAUTMANN, Uncertainty in Individual and Social Decisions: Theory and Experiments R. LORD, Efficient pricing algorithms for exotic derivatives R.P. WOLTHOFF, Essays on Simultaneous Search Equilibrium.

9 439. Y.-Y. TSENG, Valuation of travel time reliability in passenger transport M.C. NON, Essays on Consumer Search and Interlocking Directorates M. DE HAAN, Family Background and Children s Schooling Outcomes T. ZAVADIL, Dynamic Econometric Analysis of Insurance Markets with Imperfect Information I.A. MAZZA, Essays on endogenous economic policy R. HAIJEMA, Solving large structured Markov Decision Problems for perishableinventory management and traffic control A.S.K. WONG, Derivatives in Dynamic Markets R. SEGERS, Advances in Monitoring the Economy F.M. VIEIDER, Social Influences on Individual Decision Making Processes L. PAN, Poverty, Risk and Insurance: Evidence from Ethiopia and Yemen B. TIEBEN, The concept of equilibrium in different economic traditions: A Historical Investigation P. HEEMEIJER, Expectation Formation in Dynamic Market Experiments A.S. BOOIJ, Essays on the Measurement Sensitivity of Risk Aversion and Causal Effects in Education M.I. LÓPEZ YURDA, Four Essays on Applied Microeconometrics S. MEENTS, The Influence of Sellers and the Intermediary on Buyers Trust in C2C Electronic Marketplaces S. VUJIĆ, Econometric Studies to the Economic and Social Factors of Crime F. HEUKELOM, Kahneman and Tversky and the Making of Behavioral Economics G. BUDAI-BALKE, Operations Research Models for Scheduling Railway Infrastructure Maintenance T.R. DANIËLS, Rationalised Panics: The Consequences of Strategic Uncertainty during Financial Crises A. VAN DIJK, Essays on Finite Mixture Models C.P.B.J. VAN KLAVEREN, The Intra-household Allocation of Time O.E. JONKEREN, Adaptation to Climate Change in Inland Waterway Transport S.C. GO, Marine Insurance in the Netherlands , A Comparative Institutional Approach J. NIEMCZYK, Consequences and Detection of Invalid Exogeneity Conditions I. BOS, Incomplete Cartels and Antitrust Policy: Incidence and Detection M. KRAWCZYK, Affect and risk in social interactions and individual decisionmaking.

10 465. T.C. LIN, Three Essays on Empirical Asset Pricing J.A. BOLHAAR, Health Insurance: Selection, Incentives and Search.