Sitemap

A list of all the posts and pages found on the site. For you robots out there is an XML version available for digesting as well.

Pages

Page Not Found

Sorry, but the page you were trying to view does not exist.

Iris SooJin Park

Iris Park

A little about me

I am a PhD candidate in the Department of Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, with an expected graduation in Spring 2027.

My interests include the study of health insurance, household financial decision-making under risk, and behavioral responses to insurance design, incentives, and information.

Before joining the risk and insurance department, I earned undergraduate degrees in economics and mathematics from the University of Wisconsin-Madison in May 2021, graduating with honors.

Archive Layout with Content

A variety of common markup showing how the theme styles them.

Header one

Header two

Header three

Header four

Header five
Header six

Blockquotes

Single line blockquote:

Quotes are cool.

Tables

Entry Item  
John Doe 2016 Description of the item in the list
Jane Doe 2019 Description of the item in the list
Doe Doe 2022 Description of the item in the list
Header1 Header2 Header3
cell1 cell2 cell3
cell4 cell5 cell6
cell1 cell2 cell3
cell4 cell5 cell6
Foot1 Foot2 Foot3

Definition Lists

Definition List Title
Definition list division.
Startup
A startup company or startup is a company or temporary organization designed to search for a repeatable and scalable business model.
#dowork
Coined by Rob Dyrdek and his personal body guard Christopher “Big Black” Boykins, “Do Work” works as a self motivator, to motivating your friends.
Do It Live
I’ll let Bill O’Reilly explain this one.

Unordered Lists (Nested)

  • List item one
    • List item one
      • List item one
      • List item two
      • List item three
      • List item four
    • List item two
    • List item three
    • List item four
  • List item two
  • List item three
  • List item four

Ordered List (Nested)

  1. List item one
    1. List item one
      1. List item one
      2. List item two
      3. List item three
      4. List item four
    2. List item two
    3. List item three
    4. List item four
  2. List item two
  3. List item three
  4. List item four

Buttons

Make any link standout more when applying the .btn class.

Notices

Watch out! You can also add notices by appending {: .notice} to a paragraph.

HTML Tags

Address Tag

1 Infinite Loop
Cupertino, CA 95014
United States

This is an example of a link.

Abbreviation Tag

The abbreviation CSS stands for “Cascading Style Sheets”.

Cite Tag

“Code is poetry.” —Automattic

Code Tag

You will learn later on in these tests that word-wrap: break-word; will be your best friend.

Strike Tag

This tag will let you strikeout text.

Emphasize Tag

The emphasize tag should italicize text.

Insert Tag

This tag should denote inserted text.

Keyboard Tag

This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.

Preformatted Tag

This tag styles large blocks of code.

.post-title {
  margin: 0 0 5px;
  font-weight: bold;
  font-size: 38px;
  line-height: 1.2;
  and here's a line of some really, really, really, really long text, just to see how the PRE tag handles it and to find out how it overflows;
}

Quote Tag

Developers, developers, developers… –Steve Ballmer

Strong Tag

This tag shows bold text.

Subscript Tag

Getting our science styling on with H2O, which should push the “2” down.

Superscript Tag

Still sticking with science and Isaac Newton’s E = MC2, which should lift the 2 up.

Variable Tag

This allows you to denote variables.

Page Not Found

Sorry, but the page you were trying to view does not exist.

Iris SooJin Park

Iris Park

A little about me

I am a PhD candidate in the Department of Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, with an expected graduation in Spring 2027.

My interests include the study of health insurance, household financial decision-making under risk, and behavioral responses to insurance design, incentives, and information.

Before joining the risk and insurance department, I earned undergraduate degrees in economics and mathematics from the University of Wisconsin-Madison in May 2021, graduating with honors.

Archive Layout with Content

A variety of common markup showing how the theme styles them.

Header one

Header two

Header three

Header four

Header five
Header six

Blockquotes

Single line blockquote:

Quotes are cool.

Tables

Entry Item  
John Doe 2016 Description of the item in the list
Jane Doe 2019 Description of the item in the list
Doe Doe 2022 Description of the item in the list
Header1 Header2 Header3
cell1 cell2 cell3
cell4 cell5 cell6
cell1 cell2 cell3
cell4 cell5 cell6
Foot1 Foot2 Foot3

Definition Lists

Definition List Title
Definition list division.
Startup
A startup company or startup is a company or temporary organization designed to search for a repeatable and scalable business model.
#dowork
Coined by Rob Dyrdek and his personal body guard Christopher “Big Black” Boykins, “Do Work” works as a self motivator, to motivating your friends.
Do It Live
I’ll let Bill O’Reilly explain this one.

Unordered Lists (Nested)

  • List item one
    • List item one
      • List item one
      • List item two
      • List item three
      • List item four
    • List item two
    • List item three
    • List item four
  • List item two
  • List item three
  • List item four

Ordered List (Nested)

  1. List item one
    1. List item one
      1. List item one
      2. List item two
      3. List item three
      4. List item four
    2. List item two
    3. List item three
    4. List item four
  2. List item two
  3. List item three
  4. List item four

Buttons

Make any link standout more when applying the .btn class.

Notices

Watch out! You can also add notices by appending {: .notice} to a paragraph.

HTML Tags

Address Tag

1 Infinite Loop
Cupertino, CA 95014
United States

This is an example of a link.

Abbreviation Tag

The abbreviation CSS stands for “Cascading Style Sheets”.

Cite Tag

“Code is poetry.” —Automattic

Code Tag

You will learn later on in these tests that word-wrap: break-word; will be your best friend.

Strike Tag

This tag will let you strikeout text.

Emphasize Tag

The emphasize tag should italicize text.

Insert Tag

This tag should denote inserted text.

Keyboard Tag

This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.

Preformatted Tag

This tag styles large blocks of code.

.post-title {
  margin: 0 0 5px;
  font-weight: bold;
  font-size: 38px;
  line-height: 1.2;
  and here's a line of some really, really, really, really long text, just to see how the PRE tag handles it and to find out how it overflows;
}

Quote Tag

Developers, developers, developers… –Steve Ballmer

Strong Tag

This tag shows bold text.

Subscript Tag

Getting our science styling on with H2O, which should push the “2” down.

Superscript Tag

Still sticking with science and Isaac Newton’s E = MC2, which should lift the 2 up.

Variable Tag

This allows you to denote variables.

{% include base_path %} {% for post in site.pages %} {% include archive-single.html %} {% endfor %}

Posts by Category

{% include base_path %} {% include group-by-array collection=site.posts field=”categories” %}

{% for category in group_names %} {% assign posts = group_items[forloop.index0] %}

{{ category }}

{% for post in posts %} {% include archive-single.html %} {% endfor %} {% endfor %}

Posts by Collection

{% include base_path %} {% capture written_label %}’None’{% endcapture %}

{% for collection in site.collections %} {% unless collection.output == false or collection.label == “posts” %} {% capture label %}{{ collection.label }}{% endcapture %} {% if label != written_label %} <h2 id="{{ label | slugify }}" class="archive__subtitle">{{ label }}</h2> {% capture written_label %}{{ label }}{% endcapture %} {% endif %} {% endunless %} {% for post in collection.docs %} {% unless collection.output == false or collection.label == “posts” %} {% include archive-single.html %} {% endunless %} {% endfor %} {% endfor %}

/*

  • Minimal Mistakes Jekyll Theme *
    • Michael Rose
    • mademistakes.com
    • https://twitter.com/mmistakes * */

@import “vendor/breakpoint/breakpoint”; // media query mixins @import “variables”; @import “mixins”; @import “vendor/susy/susy”;

@import “reset”; @import “base”;

@import “utilities”; @import “animations”; @import “tables”; @import “buttons”; @import “notices”; @import “masthead”; @import “navigation”; @import “footer”; @import “syntax”;

@import “forms”; @import “custom”;

@import “page”; @import “archive”; @import “sidebar”;

@import “vendor/font-awesome/fontawesome”; @import “vendor/font-awesome/solid”; @import “vendor/font-awesome/brands”; @import “vendor/magnific-popup/magnific-popup”; @import “print”;

Markdown

Locations of key files/directories

  • Basic config options: _config.yml
  • Top navigation bar config: _data/navigation.yml
  • Single pages: _pages/
  • Collections of pages are .md or .html files in:
    • _publications/
    • _portfolio/
    • _posts/
    • _teaching/
    • _talks/
  • Footer: _includes/footer.html
  • Static files (like PDFs): /files/
  • Profile image (can set in _config.yml): images/profile.png

Tips and hints

  • Name a file “.md” to have it render in markdown, name it “.html” to render in HTML.
  • Go to the commit list (on your repo) to find the last version Github built with Jekyll.
    • Green check: successful build
    • Orange circle: building
    • Red X: error
    • No icon: not built
  • Academic Pages uses Jekyll Kramdown, GitHub Flavored Markdown (GFM) parser, which is similar to the version of Markdown used on GitHub, but may have some minor differences.
    • Some of emoji supported on GitHub should be supposed via the Jemoji plugin :computer:.
    • The best list of the supported emoji can be found in the Emojis for Jekyll via Jemoji blog post.

Resources

MathJax

Support for MathJax Version 3.0 is included in the template:

\[\displaylines{ \nabla \cdot E= \frac{\rho}{\epsilon_0} \\\ \nabla \cdot B=0 \\\ \nabla \times E= -\partial_tB \\\ \nabla \times B = \mu_0 \left(J + \varepsilon_0 \partial_t E \right) }\]

The default delimiters of $$...$$ and \\[...\\] are supported for displayed mathematics, while \\(...\\) should be used for in-line mathematics (ex., \(a^2 + b^2 = c^2\))

Note that since Academic Pages uses Markdown which cases some interference with MathJax and LaTeX for escaping characters and new lines, although some workarounds exist.

Markdown guide

Academic Pages uses kramdown for Markdown rendering, which has some differences from other Markdown implementations such as GitHub’s. In addition to this guide, please see the kramdown Syntax page for full documentation.

Header three

Header four

Header five
Header six

Blockquotes

Single line blockquote:

Quotes are cool.

Tables

Table 1

Entry Item  
John Doe 2016 Description of the item in the list
Jane Doe 2019 Description of the item in the list
Doe Doe 2022 Description of the item in the list

Table 2

Header1 Header2 Header3
cell1 cell2 cell3
cell4 ce  
ll5 cell6  
cell1 cell2 cell3
cell4 cell5 cell6
Foot1 Foot2 Foot3

Definition Lists

Definition List Title
Definition list division.
Startup
A startup company or startup is a company or temporary organization designed to search for a repeatable and scalable business model.
#dowork
Coined by Rob Dyrdek and his personal body guard Christopher “Big Black” Boykins, “Do Work” works as a self motivator, to motivating your friends.
Do It Live
I’ll let Bill O’Reilly explain this one.

Unordered Lists (Nested)

  • List item one
    • List item one
      • List item one
      • List item two
      • List item three
      • List item four
    • List item two
    • List item three
    • List item four
  • List item two
  • List item three
  • List item four

Ordered List (Nested)

  1. List item one
    1. List item one
      1. List item one
      2. List item two
      3. List item three
      4. List item four
    2. List item two
    3. List item three
    4. List item four
  2. List item two
  3. List item three
  4. List item four

Buttons

Make any link standout more when applying the .btn class.

Notices

Basic notices or call-outs are supported using the following syntax:

**Watch out!** You can also add notices by appending `{: .notice}` to the line following paragraph.
{: .notice}

which wil render as:

Watch out! You can also add notices by appending {: .notice} to the line following paragraph.

Footnotes

Footnotes can be useful for clarifying points in the text, or citing information.1 Markdown support numeric footnotes, as well as text as long as the values are unique.2

This is the regular text.[^1] This is more regular text.[^note]

[^1]: This is the footnote itself.
[^note]: This is another footnote.

HTML Tags

Address Tag

1 Infinite Loop
Cupertino, CA 95014
United States

This is an example of a link.

Abbreviation Tag

The abbreviation CSS stands for “Cascading Style Sheets”.

Cite Tag

“Code is poetry.” —Automattic

Code Tag

You will learn later on in these tests that word-wrap: break-word; will be your best friend.

You can also write larger blocks of code with syntax highlighting supported for some languages, such as Python:

print('Hello World!')

or R:

print("Hello World!", quote = FALSE)

Details Tag (collapsible sections)

The HTML <details> tag works well with Markdown and allows you to include collapsible sections, see W3Schools for more information on how to use the tag.

Collapsed by default This section was collapsed by default!

The source code:

<details>
  <summary>Collapsed by default</summary>
  This section was collapsed by default!
</details>

Or, you can leave a section open by default by including the open attribute in the tag:

Open by default This section is open by default thanks to open in the <details open> tag!

Emphasize Tag

The emphasize tag should italicize text.

Insert Tag

This tag should denote inserted text.

Keyboard Tag

This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.

Preformatted Tag

This tag styles large blocks of code.

.post-title {
  margin: 0 0 5px;
  font-weight: bold;
  font-size: 38px;
  line-height: 1.2;
  and here's a line of some really, really, really, really long text, just to see how the PRE tag handles it and to find out how it overflows;
}

Quote Tag

Developers, developers, developers… –Steve Ballmer

Strike Tag

This tag will let you strikeout text.

Strong Tag

This tag shows bold text.

Subscript Tag

Getting our science styling on with H2O, which should push the “2” down.

Superscript Tag

Still sticking with science and Isaac Newton’s E = MC2, which should lift the 2 up.

Variable Tag

This allows you to denote variables.


Footnotes

The footnotes in the page will be returned following this line, return to the section on Markdown Footnotes.

  1. Such as this footnote. 

  2. When using text for footnotes markers, no spaces are permitted in the name. 

Page not in menu

This is a page not in the menu. You can use markdown in this page.

Heading 1

Heading 2

Page Archive

{% include base_path %} {% for post in site.pages %} {% include archive-single.html %} {% endfor %}

Portfolio

{% include base_path %}

{% for post in site.portfolio %} {% include archive-single.html %} {% endfor %}

Research

{% if site.author.googlescholar %}

You can also find my articles on my Google Scholar profile.

{% endif %}

{% include base_path %}

{% if site.publication_category %} {% for category in site.publication_category %} {% assign title_shown = false %} {% for post in site.publications reversed %} {% if post.category != category[0] %} {% continue %} {% endif %} {% unless title_shown %} <h2>{{ category[1].title }}</h2><hr /> {% assign title_shown = true %} {% endunless %} {% include archive-single.html %} {% endfor %} {% endfor %} {% else %} {% for post in site.publications reversed %} {% include archive-single.html %} {% endfor %} {% endif %}

Research

{% include base_path %}

Working Papers

{% assign working_papers = site.publications | where: “category”, “working_papers” %} {% for post in working_papers %} {% include archive-single.html %} {% endfor %}

Work in Progress

{% assign work_in_progress = site.publications | where: “category”, “work_in_progress” %} {% for post in work_in_progress %} {% include archive-single.html %} {% endfor %}

Sitemap

{% include base_path %}

A list of all the posts and pages found on the site. For you robots out there is an XML version available for digesting as well.

Pages

{% for post in site.pages %} {% include archive-single.html %} {% endfor %}

Posts

{% for post in site.posts %} {% include archive-single.html %} {% endfor %}

{% capture written_label %}’None’{% endcapture %}

{% for collection in site.collections %} {% unless collection.output == false or collection.label == “posts” %} {% capture label %}{{ collection.label }}{% endcapture %} {% if label != written_label %}

{{ label }}

{% capture written_label %}{{ label }}{% endcapture %} {% endif %} {% endunless %} {% for post in collection.docs %} {% unless collection.output == false or collection.label == “posts” %} {% include archive-single.html %} {% endunless %} {% endfor %} {% endfor %}

Posts by Tags

{% include base_path %} {% include group-by-array collection=site.posts field=”tags” %}

{% for tag in group_names %} {% assign posts = group_items[forloop.index0] %}

{{ tag }}

{% for post in posts %} {% include archive-single.html %} {% endfor %} {% endfor %}

Talk map

This map is generated from a Jupyter Notebook file in /_talks/talkmap.ipynb, which mines the location fields in the .md files in _talks/.

Teaching

{% include base_path %}

{% for post in site.teaching reversed %} {% include archive-single.html %} {% endfor %}

Terms and Privacy Policy

{% include base_path %} {% include toc %}

Privacy Policy

The privacy of my visitors is extremely important. This Privacy Policy outlines the types of personal information that is received and collected and how it is used.

First and foremost, I will never share your email address or any other personal information to anyone without your direct consent.

Log Files

Like many other websites, this site uses log files to help learn about when, from where, and how often traffic flows to this site. The information in these log files include:

  • Internet Protocol addresses (IP)
  • Types of browser
  • Internet Service Provider (ISP)
  • Date and time stamp
  • Referring and exit pages
  • Number of clicks

All of this information is not linked to anything that is personally identifiable.

Cookies and Web Beacons

When you visit this site “convenience” cookies are stored on your computer when you submit a comment to help you log in faster to Disqus the next time you leave a comment.

Third-party advertisers may also place and read cookies on your browser and/or use web beacons to collect information. This site has no access or control over these cookies. You should review the respective privacy policies on any and all third-party ad servers for more information regarding their practices and how to opt-out.

If you wish to disable cookies, you may do so through your web browser options. Instructions for doing so can be found on the specific web browsers’ websites.

Google Analytics

Google Analytics is a web analytics tool I use to help understand how visitors engage with this website. It reports website trends using cookies and web beacons without identifying individual visitors. You can read Google Analytics Privacy Policy.

Blog posts

{% include base_path %} {% capture written_year %}’None’{% endcapture %} {% for post in site.posts %} {% capture year %}{{ post.date | date: ‘%Y’ }}{% endcapture %} {% if year != written_year %} <h2 id="{{ year | slugify }}" class="archive__subtitle">{{ year }}</h2> {% capture written_year %}{{ year }}{% endcapture %} {% endif %} {% include archive-single.html %} {% endfor %}

@import “jekyll-theme-primer”;

Jupyter notebook markdown generator

Jupyter notebook markdown generator

These .ipynb files are Jupyter notebook files that convert a TSV containing structured data about talks (talks.tsv) or presentations (presentations.tsv) into individual markdown files that will be properly formatted for the academicpages template. The notebooks contain a lot of documentation about the process. The .py files are pure python that do the same things if they are executed in a terminal, they just don’t have pretty documentation.

<?xml version=”1.0” encoding=”utf-8”?>{% if page.xsl %}<?xml-stylesheet type=”text/xml” href=”{{ ‘/feed.xslt.xml’ absolute_url }}”?>{% endif %}<feed xmlns=”http://www.w3.org/2005/Atom” {% if site.lang %}xml:lang=”{{ site.lang }}”{% endif %}>Jekyll<link href=”{{ page.url absolute_url }}” rel=”self” type=”application/atom+xml” /><link href=”{{ ‘/’ absolute_url }}” rel=”alternate” type=”text/html” {% if site.lang %}hreflang=”{{ site.lang }}” {% endif %}/>{{ site.time date_to_xmlschema }}</updated>{{ page.url absolute_url xml_escape }}</id>{% assign title = site.title default: site.name %}{% if page.collection != “posts” %}{% assign collection = page.collection capitalize %}{% assign title = title append: “ append: collection %}{% endif %}{% if page.category %}{% assign category = page.category capitalize %}{% assign title = title append: “ append: category %}{% endif %}{% if title %}{{ title smartify xml_escape }}</title>{% endif %}{% if site.description %}{{ site.description xml_escape }}</subtitle>{% endif %}{% if site.author %}{{ site.author.name default: site.author xml_escape }}</name>{% if site.author.email %}{{ site.author.email xml_escape }}</email>{% endif %}{% if site.author.uri %}{{ site.author.uri xml_escape }}</uri>{% endif %}</author>{% endif %}{% if page.tags %}{% assign posts = site.tags[page.tags] %}{% else %}{% assign posts = site[page.collection] %}{% endif %}{% if page.category %}{% assign posts = posts where: “categories”, page.category %}{% endif %}{% unless site.show_drafts %}{% assign posts = posts where_exp: “post”, “post.draft != true” %}{% endunless %}{% assign posts = posts sort: “date” reverse %}{% assign posts_limit = site.feed.posts_limit default: 10 %}{% for post in posts limit: posts_limit %}<entry{% if post.lang %}{{“ “}}xml:lang=”{{ post.lang }}”{% endif %}>{% assign post_title = post.title smartify strip_html normalize_whitespace xml_escape %}{{ post_title }}<link href=”{{ post.url absolute_url }}” rel=”alternate” type=”text/html” title=”{{ post_title }}” />{{ post.date date_to_xmlschema }}</published>{{ post.last_modified_at default: post.date date_to_xmlschema }}</updated>{{ post.id absolute_url xml_escape }}</id>{% assign excerpt_only = post.feed.excerpt_only default: site.feed.excerpt_only %}{% unless excerpt_only %}<content type=”html” xml:base=”{{ post.url absolute_url xml_escape }}”><![CDATA[{{ post.content strip }}]]></content>{% endunless %}{% assign post_author = post.author default: post.authors[0] default: site.author %}{% assign post_author = site.data.authors[post_author] default: post_author %}{% assign post_author_email = post_author.email default: nil %}{% assign post_author_uri = post_author.uri default: nil %}{% assign post_author_name = post_author.name default: post_author %}{{ post_author_name default: “” xml_escape }}</name>{% if post_author_email %}{{ post_author_email xml_escape }}</email>{% endif %}{% if post_author_uri %}{{ post_author_uri xml_escape }}</uri>{% endif %}</author>{% if post.category %}<category term=”{{ post.category xml_escape }}” />{% elsif post.categories %}{% for category in post.categories %}<category term=”{{ category xml_escape }}” />{% endfor %}{% endif %}{% for tag in post.tags %}<category term=”{{ tag xml_escape }}” />{% endfor %}{% assign post_summary = post.description default: post.excerpt %}{% if post_summary and post_summary != empty %}<summary type="html"><![CDATA[{{ post_summary strip_html normalize_whitespace }}]]></summary>{% endif %}{% assign post_image = post.image.path default: post.image %}{% if post_image %}{% unless post_image contains “://” %}{% assign post_image = post_image absolute_url %}{% endunless %}<media:thumbnail xmlns:media=”http://search.yahoo.com/mrss/” url=”{{ post_image xml_escape }}” /><media:content medium=”image” url=”{{ post_image xml_escape }}” xmlns:media=”http://search.yahoo.com/mrss/” />{% endif %}</entry>{% endfor %}</feed>

Sitemap: {{ “sitemap.xml” absolute_url }}

Posts by Category

Posts by Collection

  <h2 id="portfolio" class="archive__subtitle">portfolio</h2>

Portfolio item number 1

This is an item in your portfolio. It can be have images or nice text. If you name the file .md, it will be parsed as markdown. If you name the file .html, it will be parsed as HTML.

Portfolio item number 2

This is an item in your portfolio. It can be have images or nice text. If you name the file .md, it will be parsed as markdown. If you name the file .html, it will be parsed as HTML.

  <h2 id="publications" class="archive__subtitle">publications</h2>

Endogenous Spending and Labor Supply Response to Health Shocks

with Laura Waring

The Effects of Changes in Benefit Generosity: Evidence from Workers’ Compensation Coverage of Mental Health Conditions

with Jonghwa Do and Tyler Welch

Older Americans and Life Insurance Demand

with Tyler Welch

To Smooth or Not to Smooth: Consumption Responses to Life Insurance Payouts

with Tyler Welch

There is a sizable academic literature studying the demand for life insurance products. Little is known, however, about how surviving spouses utilize life insurance payouts. We study individuals 50 and older and ask how they adjust their savings, spending, and bequest behavior after life insurance payouts are received. We show that, compared to widow(er)s not receiving payouts, widow(er)s receiving life insurance payouts do not experience shocks to consumption. We also show substantial heterogeneity in other household finance responses to payouts along the wealth distribution. The wealthiest survivors tend to save their payouts, spend down slowly, and experience little change in their bequest plans. The least wealthy, on the other hand, experience enhanced bequest motives for a short period before quickly spending their payouts. In the long run, these individuals even end up more likely to be receiving government support than widow(er)s without life insurance payouts.

Myopia and Moral Hazard in Health Insurance

Health insurance deductibles are designed to reduce medical spending by exposing consumers to higher upfront prices. I provide a formal analysis of what I term a ``deductible paradox”: within the standard forward-looking model of cost sharing, raising the deductible can paradoxically increase optimal spending for consumers who anticipate reaching the out-of-pocket maximum. When the model does predict a decline in utilization, it implies that small deductible increases should generate only modest reductions in spending. I test these predictions using quasi-experimental variation from Wisconsin’s introduction of a modest deductible in its previously zero-deductible health plan. Spending falls far more than the benchmark model can rationalize, with the largest reductions among high-risk enrollees who should respond least. To account for these patterns, I develop a behavioral dynamic model in which households respond myopically to spot prices and face billing delays. This behavioral model better matches both the magnitude and the risk gradient of the observed spending response, highlighting the central role of spot-price responses in shaping the impact of deductible changes.

Myopia and Moral Hazard in Health Insurance

The Impact of Decision Aids on Health Insurance Selection

with Justin Sydnor and Anya Samek

🏆 The Rising Financial Literacy Scholar Award, 2026 Stanford Financial Education Symposium

Suboptimal health insurance choices impose substantial welfare costs on households, with enrollment patterns frequently violating financial dominance despite stakes exceeding thousands of dollars annually. We use a randomized field experiment with public university employees during open enrollment to evaluate whether decision aids that clarify these financial consequences affect enrollment patterns. The setting features a financially dominant high-deductible plan that saves money for all workers regardless of health spending, with typical savings around $2,000 annually, and a requirement to make an active choice confirming plan selection. We find that decision aids improve cost recognition by 22 percentage points. Yet they increase intended enrollment in the high-deductible plan by 6 percentage points and actual enrollment by only 2 percentage points, revealing substantial attenuation from understanding to behavior. Survey responses reveal that concerns about managing a health savings account, aversion to out-of-pocket costs, and reluctance to change from familiar plans limit the translation into enrollment. Treatment effects are largest among workers with limited prior plan engagement and vary substantially by liquidity constraints.

The Impact of Decision Aids on Health Insurance Selection

The Generosity Paradox: When Less Generous Insurance Raises Spending

Download Paper | SSRN

Status: Under review.

This paper shows that standard models of moral hazard predict a generosity paradox: less generous insurance can increase rather than decrease medical spending. Higher cost sharing makes it easier to reach the out-of-pocket maximum, where the marginal price is zero. Forward-looking consumers near that threshold therefore opti- mally increase their spending to reach the maximum. Using existing empirical estimates of the health need distribution and moral hazard responsiveness, I find that in many realistic scenarios, decreases in generosity lead to aggregate increases in spending and welfare losses. I discuss the practical implications of this for plan designers.

The Generosity Paradox: When Less Generous Insurance Raises Spending
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Business Analytics II

Undergraduate course (2021-2024 Spring)
University of Wisconsin-Madison

Experiments and Causal Methods for Business Insights

MSBA Course (2025 Fall)
University of Wisconsin-Madison

Consulting Project Capstone

MSBA Course (2026 Spring)
University of Wisconsin-Madison

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.mfp-a{border-top-width:13px;border-bottom-width:13px;top:8px}.mfp-arrow:before,.mfp-arrow .mfp-b{border-top-width:21px;border-bottom-width:21px;opacity:0.7}.mfp-arrow-left{left:0}.mfp-arrow-left:after,.mfp-arrow-left .mfp-a{border-right:17px solid #fff;margin-left:31px}.mfp-arrow-left:before,.mfp-arrow-left .mfp-b{margin-left:25px;border-right:27px solid #fff}.mfp-arrow-right{right:0}.mfp-arrow-right:after,.mfp-arrow-right .mfp-a{border-left:17px solid #fff;margin-left:39px}.mfp-arrow-right:before,.mfp-arrow-right .mfp-b{border-left:27px solid #fff}.mfp-iframe-holder{padding-top:40px;padding-bottom:40px}.mfp-iframe-holder .mfp-content{line-height:0;width:100%;max-width:900px}.mfp-iframe-holder .mfp-close{top:-40px}.mfp-iframe-scaler{width:100%;height:0;overflow:hidden;padding-top:56.25%}.mfp-iframe-scaler iframe{position:absolute;display:block;top:0;left:0;width:100%;height:100%;box-shadow:0 0 8px 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.mfp-image-holder{padding-left:0;padding-right:0}.mfp-img-mobile img.mfp-img{padding:0}.mfp-img-mobile .mfp-figure:after{top:0;bottom:0}.mfp-img-mobile .mfp-figure small{display:inline;margin-left:5px}.mfp-img-mobile .mfp-bottom-bar{background:rgba(0,0,0,0.6);bottom:0;margin:0;top:auto;padding:3px 5px;position:fixed;-webkit-box-sizing:border-box;-moz-box-sizing:border-box;box-sizing:border-box}.mfp-img-mobile .mfp-bottom-bar:empty{padding:0}.mfp-img-mobile .mfp-counter{right:5px;top:3px}.mfp-img-mobile .mfp-close{top:0;right:0;width:35px;height:35px;line-height:35px;background:rgba(0,0,0,0.6);position:fixed;text-align:center;padding:0}}@media all and (max-width: 900px){.mfp-arrow{-webkit-transform:scale(0.75);transform:scale(0.75)}.mfp-arrow-left{-webkit-transform-origin:0;transform-origin:0}.mfp-arrow-right{-webkit-transform-origin:100%;transform-origin:100%}.mfp-container{padding-left:6px;padding-right:6px}}.mfp-ie7 .mfp-img{padding:0}.mfp-ie7 .mfp-bottom-bar{width:600px;left:50%;margin-left:-300px;margin-top:5px;padding-bottom:5px}.mfp-ie7 .mfp-container{padding:0}.mfp-ie7 .mfp-content{padding-top:44px}.mfp-ie7 .mfp-close{top:0;right:0;padding-top:0}@media print{.masthead,.toc,.page__share,.page__related,.ads,.page__footer{display:none}}

Markdown

Locations of key files/directories

  • Basic config options: _config.yml
  • Top navigation bar config: _data/navigation.yml
  • Single pages: _pages/
  • Collections of pages are .md or .html files in:
    • _publications/
    • _portfolio/
    • _posts/
    • _teaching/
    • _talks/
  • Footer: _includes/footer.html
  • Static files (like PDFs): /files/
  • Profile image (can set in _config.yml): images/profile.png

Tips and hints

  • Name a file “.md” to have it render in markdown, name it “.html” to render in HTML.
  • Go to the commit list (on your repo) to find the last version Github built with Jekyll.
    • Green check: successful build
    • Orange circle: building
    • Red X: error
    • No icon: not built
  • Academic Pages uses Jekyll Kramdown, GitHub Flavored Markdown (GFM) parser, which is similar to the version of Markdown used on GitHub, but may have some minor differences.
    • Some of emoji supported on GitHub should be supposed via the Jemoji plugin :computer:.
    • The best list of the supported emoji can be found in the Emojis for Jekyll via Jemoji blog post.

Resources

MathJax

Support for MathJax Version 3.0 is included in the template:

[\displaylines{ \nabla \cdot E= \frac{\rho}{\epsilon_0} \
\nabla \cdot B=0 \
\nabla \times E= -\partial_tB \
\nabla \times B = \mu_0 \left(J + \varepsilon_0 \partial_t E \right) }]

The default delimiters of $$...$$ and \\[...\\] are supported for displayed mathematics, while \\(...\\) should be used for in-line mathematics (ex., \(a^2 + b^2 = c^2\))

Note that since Academic Pages uses Markdown which cases some interference with MathJax and LaTeX for escaping characters and new lines, although some workarounds exist.

Markdown guide

Academic Pages uses kramdown for Markdown rendering, which has some differences from other Markdown implementations such as GitHub’s. In addition to this guide, please see the kramdown Syntax page for full documentation.

Header three

Header four

Header five
Header six

Blockquotes

Single line blockquote:

Quotes are cool.

Tables

Table 1

Entry Item  
John Doe 2016 Description of the item in the list
Jane Doe 2019 Description of the item in the list
Doe Doe 2022 Description of the item in the list

Table 2

Header1 Header2 Header3
cell1 cell2 cell3
cell4 ce  
ll5 cell6  
cell1 cell2 cell3
cell4 cell5 cell6
Foot1 Foot2 Foot3

Definition Lists

Definition List Title
Definition list division.
Startup
A startup company or startup is a company or temporary organization designed to search for a repeatable and scalable business model.
#dowork
Coined by Rob Dyrdek and his personal body guard Christopher “Big Black” Boykins, “Do Work” works as a self motivator, to motivating your friends.
Do It Live
I’ll let Bill O’Reilly explain this one.

Unordered Lists (Nested)

  • List item one
    • List item one
      • List item one
      • List item two
      • List item three
      • List item four
    • List item two
    • List item three
    • List item four
  • List item two
  • List item three
  • List item four

Ordered List (Nested)

  1. List item one
    1. List item one
      1. List item one
      2. List item two
      3. List item three
      4. List item four
    2. List item two
    3. List item three
    4. List item four
  2. List item two
  3. List item three
  4. List item four

Buttons

Make any link standout more when applying the .btn class.

Notices

Basic notices or call-outs are supported using the following syntax:

**Watch out!** You can also add notices by appending `{: .notice}` to the line following paragraph.
{: .notice}

which wil render as:

Watch out! You can also add notices by appending {: .notice} to the line following paragraph.

Footnotes

Footnotes can be useful for clarifying points in the text, or citing information.1 Markdown support numeric footnotes, as well as text as long as the values are unique.2

This is the regular text.[^1] This is more regular text.[^note]

[^1]: This is the footnote itself.
[^note]: This is another footnote.

HTML Tags

Address Tag

1 Infinite Loop
Cupertino, CA 95014
United States

This is an example of a link.

Abbreviation Tag

The abbreviation CSS stands for “Cascading Style Sheets”.

Cite Tag

“Code is poetry.” —Automattic

Code Tag

You will learn later on in these tests that word-wrap: break-word; will be your best friend.

You can also write larger blocks of code with syntax highlighting supported for some languages, such as Python:

print('Hello World!')

or R:

print("Hello World!", quote = FALSE)

Details Tag (collapsible sections)

The HTML <details> tag works well with Markdown and allows you to include collapsible sections, see W3Schools for more information on how to use the tag.

Collapsed by default This section was collapsed by default!

The source code:

<details>
  <summary>Collapsed by default</summary>
  This section was collapsed by default!
</details>

Or, you can leave a section open by default by including the open attribute in the tag:

Open by default This section is open by default thanks to open in the <details open> tag!

Emphasize Tag

The emphasize tag should italicize text.

Insert Tag

This tag should denote inserted text.

Keyboard Tag

This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.

Preformatted Tag

This tag styles large blocks of code.

.post-title {
  margin: 0 0 5px;
  font-weight: bold;
  font-size: 38px;
  line-height: 1.2;
  and here's a line of some really, really, really, really long text, just to see how the PRE tag handles it and to find out how it overflows;
}

Quote Tag

Developers, developers, developers… –Steve Ballmer

Strike Tag

This tag will let you strikeout text.

Strong Tag

This tag shows bold text.

Subscript Tag

Getting our science styling on with H2O, which should push the “2” down.

Superscript Tag

Still sticking with science and Isaac Newton’s E = MC2, which should lift the 2 up.

Variable Tag

This allows you to denote variables.


Footnotes

The footnotes in the page will be returned following this line, return to the section on Markdown Footnotes.

  1. Such as this footnote. 

  2. When using text for footnotes markers, no spaces are permitted in the name. 

Page not in menu

This is a page not in the menu. You can use markdown in this page.

Heading 1

Heading 2

Page Archive

Page Not Found

Sorry, but the page you were trying to view does not exist.

Iris SooJin Park

Iris Park

A little about me

I am a PhD candidate in the Department of Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, with an expected graduation in Spring 2027.

My interests include the study of health insurance, household financial decision-making under risk, and behavioral responses to insurance design, incentives, and information.

Before joining the risk and insurance department, I earned undergraduate degrees in economics and mathematics from the University of Wisconsin-Madison in May 2021, graduating with honors.

Archive Layout with Content

A variety of common markup showing how the theme styles them.

Header one

Header two

Header three

Header four

Header five
Header six

Blockquotes

Single line blockquote:

Quotes are cool.

Tables

Entry Item  
John Doe 2016 Description of the item in the list
Jane Doe 2019 Description of the item in the list
Doe Doe 2022 Description of the item in the list
Header1 Header2 Header3
cell1 cell2 cell3
cell4 cell5 cell6
cell1 cell2 cell3
cell4 cell5 cell6
Foot1 Foot2 Foot3

Definition Lists

Definition List Title
Definition list division.
Startup
A startup company or startup is a company or temporary organization designed to search for a repeatable and scalable business model.
#dowork
Coined by Rob Dyrdek and his personal body guard Christopher “Big Black” Boykins, “Do Work” works as a self motivator, to motivating your friends.
Do It Live
I’ll let Bill O’Reilly explain this one.

Unordered Lists (Nested)

  • List item one
    • List item one
      • List item one
      • List item two
      • List item three
      • List item four
    • List item two
    • List item three
    • List item four
  • List item two
  • List item three
  • List item four

Ordered List (Nested)

  1. List item one
    1. List item one
      1. List item one
      2. List item two
      3. List item three
      4. List item four
    2. List item two
    3. List item three
    4. List item four
  2. List item two
  3. List item three
  4. List item four

Buttons

Make any link standout more when applying the .btn class.

Notices

Watch out! You can also add notices by appending {: .notice} to a paragraph.

HTML Tags

Address Tag

1 Infinite Loop
Cupertino, CA 95014
United States

This is an example of a link.

Abbreviation Tag

The abbreviation CSS stands for “Cascading Style Sheets”.

Cite Tag

“Code is poetry.” —Automattic

Code Tag

You will learn later on in these tests that word-wrap: break-word; will be your best friend.

Strike Tag

This tag will let you strikeout text.

Emphasize Tag

The emphasize tag should italicize text.

Insert Tag

This tag should denote inserted text.

Keyboard Tag

This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.

Preformatted Tag

This tag styles large blocks of code.

.post-title {
  margin: 0 0 5px;
  font-weight: bold;
  font-size: 38px;
  line-height: 1.2;
  and here's a line of some really, really, really, really long text, just to see how the PRE tag handles it and to find out how it overflows;
}

Quote Tag

Developers, developers, developers… –Steve Ballmer

Strong Tag

This tag shows bold text.

Subscript Tag

Getting our science styling on with H2O, which should push the “2” down.

Superscript Tag

Still sticking with science and Isaac Newton’s E = MC2, which should lift the 2 up.

Variable Tag

This allows you to denote variables.

Page Not Found

Sorry, but the page you were trying to view does not exist.

Iris SooJin Park

Iris Park

A little about me

I am a PhD candidate in the Department of Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, with an expected graduation in Spring 2027.

My interests include the study of health insurance, household financial decision-making under risk, and behavioral responses to insurance design, incentives, and information.

Before joining the risk and insurance department, I earned undergraduate degrees in economics and mathematics from the University of Wisconsin-Madison in May 2021, graduating with honors.

Archive Layout with Content

A variety of common markup showing how the theme styles them.

Header one

Header two

Header three

Header four

Header five
Header six

Blockquotes

Single line blockquote:

Quotes are cool.

Tables

Entry Item  
John Doe 2016 Description of the item in the list
Jane Doe 2019 Description of the item in the list
Doe Doe 2022 Description of the item in the list
Header1 Header2 Header3
cell1 cell2 cell3
cell4 cell5 cell6
cell1 cell2 cell3
cell4 cell5 cell6
Foot1 Foot2 Foot3

Definition Lists

Definition List Title
Definition list division.
Startup
A startup company or startup is a company or temporary organization designed to search for a repeatable and scalable business model.
#dowork
Coined by Rob Dyrdek and his personal body guard Christopher “Big Black” Boykins, “Do Work” works as a self motivator, to motivating your friends.
Do It Live
I’ll let Bill O’Reilly explain this one.

Unordered Lists (Nested)

  • List item one
    • List item one
      • List item one
      • List item two
      • List item three
      • List item four
    • List item two
    • List item three
    • List item four
  • List item two
  • List item three
  • List item four

Ordered List (Nested)

  1. List item one
    1. List item one
      1. List item one
      2. List item two
      3. List item three
      4. List item four
    2. List item two
    3. List item three
    4. List item four
  2. List item two
  3. List item three
  4. List item four

Buttons

Make any link standout more when applying the .btn class.

Notices

Watch out! You can also add notices by appending {: .notice} to a paragraph.

HTML Tags

Address Tag

1 Infinite Loop
Cupertino, CA 95014
United States

This is an example of a link.

Abbreviation Tag

The abbreviation CSS stands for “Cascading Style Sheets”.

Cite Tag

“Code is poetry.” —Automattic

Code Tag

You will learn later on in these tests that word-wrap: break-word; will be your best friend.

Strike Tag

This tag will let you strikeout text.

Emphasize Tag

The emphasize tag should italicize text.

Insert Tag

This tag should denote inserted text.

Keyboard Tag

This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.

Preformatted Tag

This tag styles large blocks of code.

.post-title {
  margin: 0 0 5px;
  font-weight: bold;
  font-size: 38px;
  line-height: 1.2;
  and here's a line of some really, really, really, really long text, just to see how the PRE tag handles it and to find out how it overflows;
}

Quote Tag

Developers, developers, developers… –Steve Ballmer

Strong Tag

This tag shows bold text.

Subscript Tag

Getting our science styling on with H2O, which should push the “2” down.

Superscript Tag

Still sticking with science and Isaac Newton’s E = MC2, which should lift the 2 up.

Variable Tag

This allows you to denote variables.

{% include base_path %} {% for post in site.pages %} {% include archive-single.html %} {% endfor %}

Posts by Category

{% include base_path %} {% include group-by-array collection=site.posts field=”categories” %}

{% for category in group_names %} {% assign posts = group_items[forloop.index0] %}

{{ category }}

{% for post in posts %} {% include archive-single.html %} {% endfor %} {% endfor %}

Posts by Collection

{% include base_path %} {% capture written_label %}’None’{% endcapture %}

{% for collection in site.collections %} {% unless collection.output == false or collection.label == “posts” %} {% capture label %}{{ collection.label }}{% endcapture %} {% if label != written_label %} <h2 id="{{ label | slugify }}" class="archive__subtitle">{{ label }}</h2> {% capture written_label %}{{ label }}{% endcapture %} {% endif %} {% endunless %} {% for post in collection.docs %} {% unless collection.output == false or collection.label == “posts” %} {% include archive-single.html %} {% endunless %} {% endfor %} {% endfor %}

/*

  • Minimal Mistakes Jekyll Theme *
    • Michael Rose
    • mademistakes.com
    • https://twitter.com/mmistakes * */

@import “vendor/breakpoint/breakpoint”; // media query mixins @import “variables”; @import “mixins”; @import “vendor/susy/susy”;

@import “reset”; @import “base”;

@import “utilities”; @import “animations”; @import “tables”; @import “buttons”; @import “notices”; @import “masthead”; @import “navigation”; @import “footer”; @import “syntax”;

@import “forms”; @import “custom”;

@import “page”; @import “archive”; @import “sidebar”;

@import “vendor/font-awesome/fontawesome”; @import “vendor/font-awesome/solid”; @import “vendor/font-awesome/brands”; @import “vendor/magnific-popup/magnific-popup”; @import “print”;

Markdown

Locations of key files/directories

  • Basic config options: _config.yml
  • Top navigation bar config: _data/navigation.yml
  • Single pages: _pages/
  • Collections of pages are .md or .html files in:
    • _publications/
    • _portfolio/
    • _posts/
    • _teaching/
    • _talks/
  • Footer: _includes/footer.html
  • Static files (like PDFs): /files/
  • Profile image (can set in _config.yml): images/profile.png

Tips and hints

  • Name a file “.md” to have it render in markdown, name it “.html” to render in HTML.
  • Go to the commit list (on your repo) to find the last version Github built with Jekyll.
    • Green check: successful build
    • Orange circle: building
    • Red X: error
    • No icon: not built
  • Academic Pages uses Jekyll Kramdown, GitHub Flavored Markdown (GFM) parser, which is similar to the version of Markdown used on GitHub, but may have some minor differences.
    • Some of emoji supported on GitHub should be supposed via the Jemoji plugin :computer:.
    • The best list of the supported emoji can be found in the Emojis for Jekyll via Jemoji blog post.

Resources

MathJax

Support for MathJax Version 3.0 is included in the template:

\[\displaylines{ \nabla \cdot E= \frac{\rho}{\epsilon_0} \\\ \nabla \cdot B=0 \\\ \nabla \times E= -\partial_tB \\\ \nabla \times B = \mu_0 \left(J + \varepsilon_0 \partial_t E \right) }\]

The default delimiters of $$...$$ and \\[...\\] are supported for displayed mathematics, while \\(...\\) should be used for in-line mathematics (ex., \(a^2 + b^2 = c^2\))

Note that since Academic Pages uses Markdown which cases some interference with MathJax and LaTeX for escaping characters and new lines, although some workarounds exist.

Markdown guide

Academic Pages uses kramdown for Markdown rendering, which has some differences from other Markdown implementations such as GitHub’s. In addition to this guide, please see the kramdown Syntax page for full documentation.

Header three

Header four

Header five
Header six

Blockquotes

Single line blockquote:

Quotes are cool.

Tables

Table 1

Entry Item  
John Doe 2016 Description of the item in the list
Jane Doe 2019 Description of the item in the list
Doe Doe 2022 Description of the item in the list

Table 2

Header1 Header2 Header3
cell1 cell2 cell3
cell4 ce  
ll5 cell6  
cell1 cell2 cell3
cell4 cell5 cell6
Foot1 Foot2 Foot3

Definition Lists

Definition List Title
Definition list division.
Startup
A startup company or startup is a company or temporary organization designed to search for a repeatable and scalable business model.
#dowork
Coined by Rob Dyrdek and his personal body guard Christopher “Big Black” Boykins, “Do Work” works as a self motivator, to motivating your friends.
Do It Live
I’ll let Bill O’Reilly explain this one.

Unordered Lists (Nested)

  • List item one
    • List item one
      • List item one
      • List item two
      • List item three
      • List item four
    • List item two
    • List item three
    • List item four
  • List item two
  • List item three
  • List item four

Ordered List (Nested)

  1. List item one
    1. List item one
      1. List item one
      2. List item two
      3. List item three
      4. List item four
    2. List item two
    3. List item three
    4. List item four
  2. List item two
  3. List item three
  4. List item four

Buttons

Make any link standout more when applying the .btn class.

Notices

Basic notices or call-outs are supported using the following syntax:

**Watch out!** You can also add notices by appending `{: .notice}` to the line following paragraph.
{: .notice}

which wil render as:

Watch out! You can also add notices by appending {: .notice} to the line following paragraph.

Footnotes

Footnotes can be useful for clarifying points in the text, or citing information.1 Markdown support numeric footnotes, as well as text as long as the values are unique.2

This is the regular text.[^1] This is more regular text.[^note]

[^1]: This is the footnote itself.
[^note]: This is another footnote.

HTML Tags

Address Tag

1 Infinite Loop
Cupertino, CA 95014
United States

This is an example of a link.

Abbreviation Tag

The abbreviation CSS stands for “Cascading Style Sheets”.

Cite Tag

“Code is poetry.” —Automattic

Code Tag

You will learn later on in these tests that word-wrap: break-word; will be your best friend.

You can also write larger blocks of code with syntax highlighting supported for some languages, such as Python:

print('Hello World!')

or R:

print("Hello World!", quote = FALSE)

Details Tag (collapsible sections)

The HTML <details> tag works well with Markdown and allows you to include collapsible sections, see W3Schools for more information on how to use the tag.

Collapsed by default This section was collapsed by default!

The source code:

<details>
  <summary>Collapsed by default</summary>
  This section was collapsed by default!
</details>

Or, you can leave a section open by default by including the open attribute in the tag:

Open by default This section is open by default thanks to open in the <details open> tag!

Emphasize Tag

The emphasize tag should italicize text.

Insert Tag

This tag should denote inserted text.

Keyboard Tag

This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.

Preformatted Tag

This tag styles large blocks of code.

.post-title {
  margin: 0 0 5px;
  font-weight: bold;
  font-size: 38px;
  line-height: 1.2;
  and here's a line of some really, really, really, really long text, just to see how the PRE tag handles it and to find out how it overflows;
}

Quote Tag

Developers, developers, developers… –Steve Ballmer

Strike Tag

This tag will let you strikeout text.

Strong Tag

This tag shows bold text.

Subscript Tag

Getting our science styling on with H2O, which should push the “2” down.

Superscript Tag

Still sticking with science and Isaac Newton’s E = MC2, which should lift the 2 up.

Variable Tag

This allows you to denote variables.


Footnotes

The footnotes in the page will be returned following this line, return to the section on Markdown Footnotes.

  1. Such as this footnote. 

  2. When using text for footnotes markers, no spaces are permitted in the name. 

Page not in menu

This is a page not in the menu. You can use markdown in this page.

Heading 1

Heading 2

Page Archive

{% include base_path %} {% for post in site.pages %} {% include archive-single.html %} {% endfor %}

Portfolio

{% include base_path %}

{% for post in site.portfolio %} {% include archive-single.html %} {% endfor %}

Research

{% if site.author.googlescholar %}

You can also find my articles on my Google Scholar profile.

{% endif %}

{% include base_path %}

{% if site.publication_category %} {% for category in site.publication_category %} {% assign title_shown = false %} {% for post in site.publications reversed %} {% if post.category != category[0] %} {% continue %} {% endif %} {% unless title_shown %} <h2>{{ category[1].title }}</h2><hr /> {% assign title_shown = true %} {% endunless %} {% include archive-single.html %} {% endfor %} {% endfor %} {% else %} {% for post in site.publications reversed %} {% include archive-single.html %} {% endfor %} {% endif %}

Research

{% include base_path %}

Working Papers

{% assign working_papers = site.publications | where: “category”, “working_papers” %} {% for post in working_papers %} {% include archive-single.html %} {% endfor %}

Work in Progress

{% assign work_in_progress = site.publications | where: “category”, “work_in_progress” %} {% for post in work_in_progress %} {% include archive-single.html %} {% endfor %}

Sitemap

{% include base_path %}

A list of all the posts and pages found on the site. For you robots out there is an XML version available for digesting as well.

Pages

{% for post in site.pages %} {% include archive-single.html %} {% endfor %}

Posts

{% for post in site.posts %} {% include archive-single.html %} {% endfor %}

{% capture written_label %}’None’{% endcapture %}

{% for collection in site.collections %} {% unless collection.output == false or collection.label == “posts” %} {% capture label %}{{ collection.label }}{% endcapture %} {% if label != written_label %}

{{ label }}

{% capture written_label %}{{ label }}{% endcapture %} {% endif %} {% endunless %} {% for post in collection.docs %} {% unless collection.output == false or collection.label == “posts” %} {% include archive-single.html %} {% endunless %} {% endfor %} {% endfor %}

Posts by Tags

{% include base_path %} {% include group-by-array collection=site.posts field=”tags” %}

{% for tag in group_names %} {% assign posts = group_items[forloop.index0] %}

{{ tag }}

{% for post in posts %} {% include archive-single.html %} {% endfor %} {% endfor %}

Talk map

This map is generated from a Jupyter Notebook file in /_talks/talkmap.ipynb, which mines the location fields in the .md files in _talks/.

Teaching

{% include base_path %}

{% for post in site.teaching reversed %} {% include archive-single.html %} {% endfor %}

Terms and Privacy Policy

{% include base_path %} {% include toc %}

Privacy Policy

The privacy of my visitors is extremely important. This Privacy Policy outlines the types of personal information that is received and collected and how it is used.

First and foremost, I will never share your email address or any other personal information to anyone without your direct consent.

Log Files

Like many other websites, this site uses log files to help learn about when, from where, and how often traffic flows to this site. The information in these log files include:

  • Internet Protocol addresses (IP)
  • Types of browser
  • Internet Service Provider (ISP)
  • Date and time stamp
  • Referring and exit pages
  • Number of clicks

All of this information is not linked to anything that is personally identifiable.

Cookies and Web Beacons

When you visit this site “convenience” cookies are stored on your computer when you submit a comment to help you log in faster to Disqus the next time you leave a comment.

Third-party advertisers may also place and read cookies on your browser and/or use web beacons to collect information. This site has no access or control over these cookies. You should review the respective privacy policies on any and all third-party ad servers for more information regarding their practices and how to opt-out.

If you wish to disable cookies, you may do so through your web browser options. Instructions for doing so can be found on the specific web browsers’ websites.

Google Analytics

Google Analytics is a web analytics tool I use to help understand how visitors engage with this website. It reports website trends using cookies and web beacons without identifying individual visitors. You can read Google Analytics Privacy Policy.

Blog posts

{% include base_path %} {% capture written_year %}’None’{% endcapture %} {% for post in site.posts %} {% capture year %}{{ post.date | date: ‘%Y’ }}{% endcapture %} {% if year != written_year %} <h2 id="{{ year | slugify }}" class="archive__subtitle">{{ year }}</h2> {% capture written_year %}{{ year }}{% endcapture %} {% endif %} {% include archive-single.html %} {% endfor %}

@import “jekyll-theme-primer”;

Jupyter notebook markdown generator

Jupyter notebook markdown generator

These .ipynb files are Jupyter notebook files that convert a TSV containing structured data about talks (talks.tsv) or presentations (presentations.tsv) into individual markdown files that will be properly formatted for the academicpages template. The notebooks contain a lot of documentation about the process. The .py files are pure python that do the same things if they are executed in a terminal, they just don’t have pretty documentation.

<?xml version=”1.0” encoding=”utf-8”?>{% if page.xsl %}<?xml-stylesheet type=”text/xml” href=”{{ ‘/feed.xslt.xml’ absolute_url }}”?>{% endif %}<feed xmlns=”http://www.w3.org/2005/Atom” {% if site.lang %}xml:lang=”{{ site.lang }}”{% endif %}>Jekyll<link href=”{{ page.url absolute_url }}” rel=”self” type=”application/atom+xml” /><link href=”{{ ‘/’ absolute_url }}” rel=”alternate” type=”text/html” {% if site.lang %}hreflang=”{{ site.lang }}” {% endif %}/>{{ site.time date_to_xmlschema }}</updated>{{ page.url absolute_url xml_escape }}</id>{% assign title = site.title default: site.name %}{% if page.collection != “posts” %}{% assign collection = page.collection capitalize %}{% assign title = title append: “ append: collection %}{% endif %}{% if page.category %}{% assign category = page.category capitalize %}{% assign title = title append: “ append: category %}{% endif %}{% if title %}{{ title smartify xml_escape }}</title>{% endif %}{% if site.description %}{{ site.description xml_escape }}</subtitle>{% endif %}{% if site.author %}{{ site.author.name default: site.author xml_escape }}</name>{% if site.author.email %}{{ site.author.email xml_escape }}</email>{% endif %}{% if site.author.uri %}{{ site.author.uri xml_escape }}</uri>{% endif %}</author>{% endif %}{% if page.tags %}{% assign posts = site.tags[page.tags] %}{% else %}{% assign posts = site[page.collection] %}{% endif %}{% if page.category %}{% assign posts = posts where: “categories”, page.category %}{% endif %}{% unless site.show_drafts %}{% assign posts = posts where_exp: “post”, “post.draft != true” %}{% endunless %}{% assign posts = posts sort: “date” reverse %}{% assign posts_limit = site.feed.posts_limit default: 10 %}{% for post in posts limit: posts_limit %}<entry{% if post.lang %}{{“ “}}xml:lang=”{{ post.lang }}”{% endif %}>{% assign post_title = post.title smartify strip_html normalize_whitespace xml_escape %}{{ post_title }}<link href=”{{ post.url absolute_url }}” rel=”alternate” type=”text/html” title=”{{ post_title }}” />{{ post.date date_to_xmlschema }}</published>{{ post.last_modified_at default: post.date date_to_xmlschema }}</updated>{{ post.id absolute_url xml_escape }}</id>{% assign excerpt_only = post.feed.excerpt_only default: site.feed.excerpt_only %}{% unless excerpt_only %}<content type=”html” xml:base=”{{ post.url absolute_url xml_escape }}”><![CDATA[{{ post.content strip }}]]></content>{% endunless %}{% assign post_author = post.author default: post.authors[0] default: site.author %}{% assign post_author = site.data.authors[post_author] default: post_author %}{% assign post_author_email = post_author.email default: nil %}{% assign post_author_uri = post_author.uri default: nil %}{% assign post_author_name = post_author.name default: post_author %}{{ post_author_name default: “” xml_escape }}</name>{% if post_author_email %}{{ post_author_email xml_escape }}</email>{% endif %}{% if post_author_uri %}{{ post_author_uri xml_escape }}</uri>{% endif %}</author>{% if post.category %}<category term=”{{ post.category xml_escape }}” />{% elsif post.categories %}{% for category in post.categories %}<category term=”{{ category xml_escape }}” />{% endfor %}{% endif %}{% for tag in post.tags %}<category term=”{{ tag xml_escape }}” />{% endfor %}{% assign post_summary = post.description default: post.excerpt %}{% if post_summary and post_summary != empty %}<summary type="html"><![CDATA[{{ post_summary strip_html normalize_whitespace }}]]></summary>{% endif %}{% assign post_image = post.image.path default: post.image %}{% if post_image %}{% unless post_image contains “://” %}{% assign post_image = post_image absolute_url %}{% endunless %}<media:thumbnail xmlns:media=”http://search.yahoo.com/mrss/” url=”{{ post_image xml_escape }}” /><media:content medium=”image” url=”{{ post_image xml_escape }}” xmlns:media=”http://search.yahoo.com/mrss/” />{% endif %}</entry>{% endfor %}</feed>

Sitemap: {{ “sitemap.xml” absolute_url }}

Posts by Category

Posts by Collection

  <h2 id="portfolio" class="archive__subtitle">portfolio</h2>

Portfolio item number 1

This is an item in your portfolio. It can be have images or nice text. If you name the file .md, it will be parsed as markdown. If you name the file .html, it will be parsed as HTML.

Portfolio item number 2

This is an item in your portfolio. It can be have images or nice text. If you name the file .md, it will be parsed as markdown. If you name the file .html, it will be parsed as HTML.

  <h2 id="publications" class="archive__subtitle">publications</h2>

Endogenous Spending and Labor Supply Response to Health Shocks

with Laura Waring

The Effects of Changes in Benefit Generosity: Evidence from Workers’ Compensation Coverage of Mental Health Conditions

with Jonghwa Do and Tyler Welch

Older Americans and Life Insurance Demand

with Tyler Welch

To Smooth or Not to Smooth: Consumption Responses to Life Insurance Payouts

with Tyler Welch

There is a sizable academic literature studying the demand for life insurance products. Little is known, however, about how surviving spouses utilize life insurance payouts. We study individuals 50 and older and ask how they adjust their savings, spending, and bequest behavior after life insurance payouts are received. We show that, compared to widow(er)s not receiving payouts, widow(er)s receiving life insurance payouts do not experience shocks to consumption. We also show substantial heterogeneity in other household finance responses to payouts along the wealth distribution. The wealthiest survivors tend to save their payouts, spend down slowly, and experience little change in their bequest plans. The least wealthy, on the other hand, experience enhanced bequest motives for a short period before quickly spending their payouts. In the long run, these individuals even end up more likely to be receiving government support than widow(er)s without life insurance payouts.

Myopia and Moral Hazard in Health Insurance

Health insurance deductibles are designed to reduce medical spending by exposing consumers to higher upfront prices. I provide a formal analysis of what I term a ``deductible paradox”: within the standard forward-looking model of cost sharing, raising the deductible can paradoxically increase optimal spending for consumers who anticipate reaching the out-of-pocket maximum. When the model does predict a decline in utilization, it implies that small deductible increases should generate only modest reductions in spending. I test these predictions using quasi-experimental variation from Wisconsin’s introduction of a modest deductible in its previously zero-deductible health plan. Spending falls far more than the benchmark model can rationalize, with the largest reductions among high-risk enrollees who should respond least. To account for these patterns, I develop a behavioral dynamic model in which households respond myopically to spot prices and face billing delays. This behavioral model better matches both the magnitude and the risk gradient of the observed spending response, highlighting the central role of spot-price responses in shaping the impact of deductible changes.

Myopia and Moral Hazard in Health Insurance

The Impact of Decision Aids on Health Insurance Selection

with Justin Sydnor and Anya Samek

🏆 The Rising Financial Literacy Scholar Award, 2026 Stanford Financial Education Symposium

Suboptimal health insurance choices impose substantial welfare costs on households, with enrollment patterns frequently violating financial dominance despite stakes exceeding thousands of dollars annually. We use a randomized field experiment with public university employees during open enrollment to evaluate whether decision aids that clarify these financial consequences affect enrollment patterns. The setting features a financially dominant high-deductible plan that saves money for all workers regardless of health spending, with typical savings around $2,000 annually, and a requirement to make an active choice confirming plan selection. We find that decision aids improve cost recognition by 22 percentage points. Yet they increase intended enrollment in the high-deductible plan by 6 percentage points and actual enrollment by only 2 percentage points, revealing substantial attenuation from understanding to behavior. Survey responses reveal that concerns about managing a health savings account, aversion to out-of-pocket costs, and reluctance to change from familiar plans limit the translation into enrollment. Treatment effects are largest among workers with limited prior plan engagement and vary substantially by liquidity constraints.

The Impact of Decision Aids on Health Insurance Selection

The Generosity Paradox: When Less Generous Insurance Raises Spending

Download Paper | SSRN

Status: Under review.

This paper shows that standard models of moral hazard predict a generosity paradox: less generous insurance can increase rather than decrease medical spending. Higher cost sharing makes it easier to reach the out-of-pocket maximum, where the marginal price is zero. Forward-looking consumers near that threshold therefore opti- mally increase their spending to reach the maximum. Using existing empirical estimates of the health need distribution and moral hazard responsiveness, I find that in many realistic scenarios, decreases in generosity lead to aggregate increases in spending and welfare losses. I discuss the practical implications of this for plan designers.

The Generosity Paradox: When Less Generous Insurance Raises Spending
  <h2 id="talks" class="archive__subtitle">talks</h2>

Talk 1 on Relevant Topic in Your Field

This is a description of your talk, which is a markdown files that can be all markdown-ified like any other post. Yay markdown!

Tutorial 1 on Relevant Topic in Your Field

More information here

This is a description of your tutorial, note the different field in type. This is a markdown files that can be all markdown-ified like any other post. Yay markdown!

Talk 2 on Relevant Topic in Your Field

More information here

This is a description of your talk, which is a markdown files that can be all markdown-ified like any other post. Yay markdown!

Conference Proceeding talk 3 on Relevant Topic in Your Field

This is a description of your conference proceedings talk, note the different field in type. You can put anything in this field.

  <h2 id="teaching" class="archive__subtitle">teaching</h2>

Business Analytics II

Undergraduate course (2021-2024 Spring)
University of Wisconsin-Madison

Experiments and Causal Methods for Business Insights

MSBA Course (2025 Fall)
University of Wisconsin-Madison

Consulting Project Capstone

MSBA Course (2026 Spring)
University of Wisconsin-Madison

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.mfp-image-holder{padding-left:0;padding-right:0}.mfp-img-mobile img.mfp-img{padding:0}.mfp-img-mobile .mfp-figure:after{top:0;bottom:0}.mfp-img-mobile .mfp-figure small{display:inline;margin-left:5px}.mfp-img-mobile .mfp-bottom-bar{background:rgba(0,0,0,0.6);bottom:0;margin:0;top:auto;padding:3px 5px;position:fixed;-webkit-box-sizing:border-box;-moz-box-sizing:border-box;box-sizing:border-box}.mfp-img-mobile .mfp-bottom-bar:empty{padding:0}.mfp-img-mobile .mfp-counter{right:5px;top:3px}.mfp-img-mobile .mfp-close{top:0;right:0;width:35px;height:35px;line-height:35px;background:rgba(0,0,0,0.6);position:fixed;text-align:center;padding:0}}@media all and (max-width: 900px){.mfp-arrow{-webkit-transform:scale(0.75);transform:scale(0.75)}.mfp-arrow-left{-webkit-transform-origin:0;transform-origin:0}.mfp-arrow-right{-webkit-transform-origin:100%;transform-origin:100%}.mfp-container{padding-left:6px;padding-right:6px}}.mfp-ie7 .mfp-img{padding:0}.mfp-ie7 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Markdown

Locations of key files/directories

  • Basic config options: _config.yml
  • Top navigation bar config: _data/navigation.yml
  • Single pages: _pages/
  • Collections of pages are .md or .html files in:
    • _publications/
    • _portfolio/
    • _posts/
    • _teaching/
    • _talks/
  • Footer: _includes/footer.html
  • Static files (like PDFs): /files/
  • Profile image (can set in _config.yml): images/profile.png

Tips and hints

  • Name a file “.md” to have it render in markdown, name it “.html” to render in HTML.
  • Go to the commit list (on your repo) to find the last version Github built with Jekyll.
    • Green check: successful build
    • Orange circle: building
    • Red X: error
    • No icon: not built
  • Academic Pages uses Jekyll Kramdown, GitHub Flavored Markdown (GFM) parser, which is similar to the version of Markdown used on GitHub, but may have some minor differences.
    • Some of emoji supported on GitHub should be supposed via the Jemoji plugin :computer:.
    • The best list of the supported emoji can be found in the Emojis for Jekyll via Jemoji blog post.

Resources

MathJax

Support for MathJax Version 3.0 is included in the template:

[\displaylines{ \nabla \cdot E= \frac{\rho}{\epsilon_0} \
\nabla \cdot B=0 \
\nabla \times E= -\partial_tB \
\nabla \times B = \mu_0 \left(J + \varepsilon_0 \partial_t E \right) }]

The default delimiters of $$...$$ and \\[...\\] are supported for displayed mathematics, while \\(...\\) should be used for in-line mathematics (ex., \(a^2 + b^2 = c^2\))

Note that since Academic Pages uses Markdown which cases some interference with MathJax and LaTeX for escaping characters and new lines, although some workarounds exist.

Markdown guide

Academic Pages uses kramdown for Markdown rendering, which has some differences from other Markdown implementations such as GitHub’s. In addition to this guide, please see the kramdown Syntax page for full documentation.

Header three

Header four

Header five
Header six

Blockquotes

Single line blockquote:

Quotes are cool.

Tables

Table 1

Entry Item  
John Doe 2016 Description of the item in the list
Jane Doe 2019 Description of the item in the list
Doe Doe 2022 Description of the item in the list

Table 2

Header1 Header2 Header3
cell1 cell2 cell3
cell4 ce  
ll5 cell6  
cell1 cell2 cell3
cell4 cell5 cell6
Foot1 Foot2 Foot3

Definition Lists

Definition List Title
Definition list division.
Startup
A startup company or startup is a company or temporary organization designed to search for a repeatable and scalable business model.
#dowork
Coined by Rob Dyrdek and his personal body guard Christopher “Big Black” Boykins, “Do Work” works as a self motivator, to motivating your friends.
Do It Live
I’ll let Bill O’Reilly explain this one.

Unordered Lists (Nested)

  • List item one
    • List item one
      • List item one
      • List item two
      • List item three
      • List item four
    • List item two
    • List item three
    • List item four
  • List item two
  • List item three
  • List item four

Ordered List (Nested)

  1. List item one
    1. List item one
      1. List item one
      2. List item two
      3. List item three
      4. List item four
    2. List item two
    3. List item three
    4. List item four
  2. List item two
  3. List item three
  4. List item four

Buttons

Make any link standout more when applying the .btn class.

Notices

Basic notices or call-outs are supported using the following syntax:

**Watch out!** You can also add notices by appending `{: .notice}` to the line following paragraph.
{: .notice}

which wil render as:

Watch out! You can also add notices by appending {: .notice} to the line following paragraph.

Footnotes

Footnotes can be useful for clarifying points in the text, or citing information.1 Markdown support numeric footnotes, as well as text as long as the values are unique.2

This is the regular text.[^1] This is more regular text.[^note]

[^1]: This is the footnote itself.
[^note]: This is another footnote.

HTML Tags

Address Tag

1 Infinite Loop
Cupertino, CA 95014
United States

This is an example of a link.

Abbreviation Tag

The abbreviation CSS stands for “Cascading Style Sheets”.

Cite Tag

“Code is poetry.” —Automattic

Code Tag

You will learn later on in these tests that word-wrap: break-word; will be your best friend.

You can also write larger blocks of code with syntax highlighting supported for some languages, such as Python:

print('Hello World!')

or R:

print("Hello World!", quote = FALSE)

Details Tag (collapsible sections)

The HTML <details> tag works well with Markdown and allows you to include collapsible sections, see W3Schools for more information on how to use the tag.

Collapsed by default This section was collapsed by default!

The source code:

<details>
  <summary>Collapsed by default</summary>
  This section was collapsed by default!
</details>

Or, you can leave a section open by default by including the open attribute in the tag:

Open by default This section is open by default thanks to open in the <details open> tag!

Emphasize Tag

The emphasize tag should italicize text.

Insert Tag

This tag should denote inserted text.

Keyboard Tag

This scarcely known tag emulates keyboard text, which is usually styled like the <code> tag.

Preformatted Tag

This tag styles large blocks of code.

.post-title {
  margin: 0 0 5px;
  font-weight: bold;
  font-size: 38px;
  line-height: 1.2;
  and here's a line of some really, really, really, really long text, just to see how the PRE tag handles it and to find out how it overflows;
}

Quote Tag

Developers, developers, developers… –Steve Ballmer

Strike Tag

This tag will let you strikeout text.

Strong Tag

This tag shows bold text.

Subscript Tag

Getting our science styling on with H2O, which should push the “2” down.

Superscript Tag

Still sticking with science and Isaac Newton’s E = MC2, which should lift the 2 up.

Variable Tag

This allows you to denote variables.


Footnotes

The footnotes in the page will be returned following this line, return to the section on Markdown Footnotes.

  1. Such as this footnote. 

  2. When using text for footnotes markers, no spaces are permitted in the name. 

Page not in menu

This is a page not in the menu. You can use markdown in this page.

Heading 1

Heading 2

Page Archive

{% include base_path %} {% for post in site.pages %} {% include archive-single.html %} {% endfor %}

Portfolio

{% include base_path %}

{% for post in site.portfolio %} {% include archive-single.html %} {% endfor %}

Research

{% if site.author.googlescholar %}

You can also find my articles on my Google Scholar profile.

{% endif %}

{% include base_path %}

{% if site.publication_category %} {% for category in site.publication_category %} {% assign title_shown = false %} {% for post in site.publications reversed %} {% if post.category != category[0] %} {% continue %} {% endif %} {% unless title_shown %} <h2>{{ category[1].title }}</h2><hr /> {% assign title_shown = true %} {% endunless %} {% include archive-single.html %} {% endfor %} {% endfor %} {% else %} {% for post in site.publications reversed %} {% include archive-single.html %} {% endfor %} {% endif %}

Research

{% include base_path %}

Working Papers

{% assign working_papers = site.publications | where: “category”, “working_papers” %} {% for post in working_papers %} {% include archive-single.html %} {% endfor %}

Work in Progress

{% assign work_in_progress = site.publications | where: “category”, “work_in_progress” %} {% for post in work_in_progress %} {% include archive-single.html %} {% endfor %}

Sitemap

{% include base_path %}

A list of all the posts and pages found on the site. For you robots out there is an XML version available for digesting as well.

Pages

{% for post in site.pages %} {% include archive-single.html %} {% endfor %}

Posts

{% for post in site.posts %} {% include archive-single.html %} {% endfor %}

{% capture written_label %}’None’{% endcapture %}

{% for collection in site.collections %} {% unless collection.output == false or collection.label == “posts” %} {% capture label %}{{ collection.label }}{% endcapture %} {% if label != written_label %}

{{ label }}

{% capture written_label %}{{ label }}{% endcapture %} {% endif %} {% endunless %} {% for post in collection.docs %} {% unless collection.output == false or collection.label == “posts” %} {% include archive-single.html %} {% endunless %} {% endfor %} {% endfor %}

Posts by Tags

{% include base_path %} {% include group-by-array collection=site.posts field=”tags” %}

{% for tag in group_names %} {% assign posts = group_items[forloop.index0] %}

{{ tag }}

{% for post in posts %} {% include archive-single.html %} {% endfor %} {% endfor %}

Talk map

This map is generated from a Jupyter Notebook file in /_talks/talkmap.ipynb, which mines the location fields in the .md files in _talks/.

Teaching

{% include base_path %}

{% for post in site.teaching reversed %} {% include archive-single.html %} {% endfor %}

Terms and Privacy Policy

{% include base_path %} {% include toc %}

Privacy Policy

The privacy of my visitors is extremely important. This Privacy Policy outlines the types of personal information that is received and collected and how it is used.

First and foremost, I will never share your email address or any other personal information to anyone without your direct consent.

Log Files

Like many other websites, this site uses log files to help learn about when, from where, and how often traffic flows to this site. The information in these log files include:

  • Internet Protocol addresses (IP)
  • Types of browser
  • Internet Service Provider (ISP)
  • Date and time stamp
  • Referring and exit pages
  • Number of clicks

All of this information is not linked to anything that is personally identifiable.

Cookies and Web Beacons

When you visit this site “convenience” cookies are stored on your computer when you submit a comment to help you log in faster to Disqus the next time you leave a comment.

Third-party advertisers may also place and read cookies on your browser and/or use web beacons to collect information. This site has no access or control over these cookies. You should review the respective privacy policies on any and all third-party ad servers for more information regarding their practices and how to opt-out.

If you wish to disable cookies, you may do so through your web browser options. Instructions for doing so can be found on the specific web browsers’ websites.

Google Analytics

Google Analytics is a web analytics tool I use to help understand how visitors engage with this website. It reports website trends using cookies and web beacons without identifying individual visitors. You can read Google Analytics Privacy Policy.

Blog posts

{% include base_path %} {% capture written_year %}’None’{% endcapture %} {% for post in site.posts %} {% capture year %}{{ post.date | date: ‘%Y’ }}{% endcapture %} {% if year != written_year %} <h2 id="{{ year | slugify }}" class="archive__subtitle">{{ year }}</h2> {% capture written_year %}{{ year }}{% endcapture %} {% endif %} {% include archive-single.html %} {% endfor %}

@import “jekyll-theme-primer”;

Jupyter notebook markdown generator

Jupyter notebook markdown generator

These .ipynb files are Jupyter notebook files that convert a TSV containing structured data about talks (talks.tsv) or presentations (presentations.tsv) into individual markdown files that will be properly formatted for the academicpages template. The notebooks contain a lot of documentation about the process. The .py files are pure python that do the same things if they are executed in a terminal, they just don’t have pretty documentation.

<?xml version=”1.0” encoding=”utf-8”?>{% if page.xsl %}<?xml-stylesheet type=”text/xml” href=”{{ ‘/feed.xslt.xml’ absolute_url }}”?>{% endif %}<feed xmlns=”http://www.w3.org/2005/Atom” {% if site.lang %}xml:lang=”{{ site.lang }}”{% endif %}>Jekyll<link href=”{{ page.url absolute_url }}” rel=”self” type=”application/atom+xml” /><link href=”{{ ‘/’ absolute_url }}” rel=”alternate” type=”text/html” {% if site.lang %}hreflang=”{{ site.lang }}” {% endif %}/>{{ site.time date_to_xmlschema }}</updated>{{ page.url absolute_url xml_escape }}</id>{% assign title = site.title default: site.name %}{% if page.collection != “posts” %}{% assign collection = page.collection capitalize %}{% assign title = title append: “ append: collection %}{% endif %}{% if page.category %}{% assign category = page.category capitalize %}{% assign title = title append: “ append: category %}{% endif %}{% if title %}{{ title smartify xml_escape }}</title>{% endif %}{% if site.description %}{{ site.description xml_escape }}</subtitle>{% endif %}{% if site.author %}{{ site.author.name default: site.author xml_escape }}</name>{% if site.author.email %}{{ site.author.email xml_escape }}</email>{% endif %}{% if site.author.uri %}{{ site.author.uri xml_escape }}</uri>{% endif %}</author>{% endif %}{% if page.tags %}{% assign posts = site.tags[page.tags] %}{% else %}{% assign posts = site[page.collection] %}{% endif %}{% if page.category %}{% assign posts = posts where: “categories”, page.category %}{% endif %}{% unless site.show_drafts %}{% assign posts = posts where_exp: “post”, “post.draft != true” %}{% endunless %}{% assign posts = posts sort: “date” reverse %}{% assign posts_limit = site.feed.posts_limit default: 10 %}{% for post in posts limit: posts_limit %}<entry{% if post.lang %}{{“ “}}xml:lang=”{{ post.lang }}”{% endif %}>{% assign post_title = post.title smartify strip_html normalize_whitespace xml_escape %}{{ post_title }}<link href=”{{ post.url absolute_url }}” rel=”alternate” type=”text/html” title=”{{ post_title }}” />{{ post.date date_to_xmlschema }}</published>{{ post.last_modified_at default: post.date date_to_xmlschema }}</updated>{{ post.id absolute_url xml_escape }}</id>{% assign excerpt_only = post.feed.excerpt_only default: site.feed.excerpt_only %}{% unless excerpt_only %}<content type=”html” xml:base=”{{ post.url absolute_url xml_escape }}”><![CDATA[{{ post.content strip }}]]></content>{% endunless %}{% assign post_author = post.author default: post.authors[0] default: site.author %}{% assign post_author = site.data.authors[post_author] default: post_author %}{% assign post_author_email = post_author.email default: nil %}{% assign post_author_uri = post_author.uri default: nil %}{% assign post_author_name = post_author.name default: post_author %}{{ post_author_name default: “” xml_escape }}</name>{% if post_author_email %}{{ post_author_email xml_escape }}</email>{% endif %}{% if post_author_uri %}{{ post_author_uri xml_escape }}</uri>{% endif %}</author>{% if post.category %}<category term=”{{ post.category xml_escape }}” />{% elsif post.categories %}{% for category in post.categories %}<category term=”{{ category xml_escape }}” />{% endfor %}{% endif %}{% for tag in post.tags %}<category term=”{{ tag xml_escape }}” />{% endfor %}{% assign post_summary = post.description default: post.excerpt %}{% if post_summary and post_summary != empty %}<summary type="html"><![CDATA[{{ post_summary strip_html normalize_whitespace }}]]></summary>{% endif %}{% assign post_image = post.image.path default: post.image %}{% if post_image %}{% unless post_image contains “://” %}{% assign post_image = post_image absolute_url %}{% endunless %}<media:thumbnail xmlns:media=”http://search.yahoo.com/mrss/” url=”{{ post_image xml_escape }}” /><media:content medium=”image” url=”{{ post_image xml_escape }}” xmlns:media=”http://search.yahoo.com/mrss/” />{% endif %}</entry>{% endfor %}</feed>

Sitemap: {{ “sitemap.xml” absolute_url }}

Portfolio

Portfolio item number 1

This is an item in your portfolio. It can be have images or nice text. If you name the file .md, it will be parsed as markdown. If you name the file .html, it will be parsed as HTML.

Portfolio item number 2

This is an item in your portfolio. It can be have images or nice text. If you name the file .md, it will be parsed as markdown. If you name the file .html, it will be parsed as HTML.

Research

    <h2>Working Papers</h2><hr />

The Generosity Paradox: When Less Generous Insurance Raises Spending

Download Paper | SSRN

Status: Under review.

This paper shows that standard models of moral hazard predict a generosity paradox: less generous insurance can increase rather than decrease medical spending. Higher cost sharing makes it easier to reach the out-of-pocket maximum, where the marginal price is zero. Forward-looking consumers near that threshold therefore opti- mally increase their spending to reach the maximum. Using existing empirical estimates of the health need distribution and moral hazard responsiveness, I find that in many realistic scenarios, decreases in generosity lead to aggregate increases in spending and welfare losses. I discuss the practical implications of this for plan designers.

The Generosity Paradox: When Less Generous Insurance Raises Spending

The Impact of Decision Aids on Health Insurance Selection

with Justin Sydnor and Anya Samek

🏆 The Rising Financial Literacy Scholar Award, 2026 Stanford Financial Education Symposium

Suboptimal health insurance choices impose substantial welfare costs on households, with enrollment patterns frequently violating financial dominance despite stakes exceeding thousands of dollars annually. We use a randomized field experiment with public university employees during open enrollment to evaluate whether decision aids that clarify these financial consequences affect enrollment patterns. The setting features a financially dominant high-deductible plan that saves money for all workers regardless of health spending, with typical savings around $2,000 annually, and a requirement to make an active choice confirming plan selection. We find that decision aids improve cost recognition by 22 percentage points. Yet they increase intended enrollment in the high-deductible plan by 6 percentage points and actual enrollment by only 2 percentage points, revealing substantial attenuation from understanding to behavior. Survey responses reveal that concerns about managing a health savings account, aversion to out-of-pocket costs, and reluctance to change from familiar plans limit the translation into enrollment. Treatment effects are largest among workers with limited prior plan engagement and vary substantially by liquidity constraints.

The Impact of Decision Aids on Health Insurance Selection

Myopia and Moral Hazard in Health Insurance

Health insurance deductibles are designed to reduce medical spending by exposing consumers to higher upfront prices. I provide a formal analysis of what I term a ``deductible paradox”: within the standard forward-looking model of cost sharing, raising the deductible can paradoxically increase optimal spending for consumers who anticipate reaching the out-of-pocket maximum. When the model does predict a decline in utilization, it implies that small deductible increases should generate only modest reductions in spending. I test these predictions using quasi-experimental variation from Wisconsin’s introduction of a modest deductible in its previously zero-deductible health plan. Spending falls far more than the benchmark model can rationalize, with the largest reductions among high-risk enrollees who should respond least. To account for these patterns, I develop a behavioral dynamic model in which households respond myopically to spot prices and face billing delays. This behavioral model better matches both the magnitude and the risk gradient of the observed spending response, highlighting the central role of spot-price responses in shaping the impact of deductible changes.

Myopia and Moral Hazard in Health Insurance

To Smooth or Not to Smooth: Consumption Responses to Life Insurance Payouts

with Tyler Welch

There is a sizable academic literature studying the demand for life insurance products. Little is known, however, about how surviving spouses utilize life insurance payouts. We study individuals 50 and older and ask how they adjust their savings, spending, and bequest behavior after life insurance payouts are received. We show that, compared to widow(er)s not receiving payouts, widow(er)s receiving life insurance payouts do not experience shocks to consumption. We also show substantial heterogeneity in other household finance responses to payouts along the wealth distribution. The wealthiest survivors tend to save their payouts, spend down slowly, and experience little change in their bequest plans. The least wealthy, on the other hand, experience enhanced bequest motives for a short period before quickly spending their payouts. In the long run, these individuals even end up more likely to be receiving government support than widow(er)s without life insurance payouts.

    <h2>Work in Progress</h2><hr />

Older Americans and Life Insurance Demand

with Tyler Welch

The Effects of Changes in Benefit Generosity: Evidence from Workers’ Compensation Coverage of Mental Health Conditions

with Jonghwa Do and Tyler Welch

Endogenous Spending and Labor Supply Response to Health Shocks

with Laura Waring

Research

Working Papers

To Smooth or Not to Smooth: Consumption Responses to Life Insurance Payouts

with Tyler Welch

There is a sizable academic literature studying the demand for life insurance products. Little is known, however, about how surviving spouses utilize life insurance payouts. We study individuals 50 and older and ask how they adjust their savings, spending, and bequest behavior after life insurance payouts are received. We show that, compared to widow(er)s not receiving payouts, widow(er)s receiving life insurance payouts do not experience shocks to consumption. We also show substantial heterogeneity in other household finance responses to payouts along the wealth distribution. The wealthiest survivors tend to save their payouts, spend down slowly, and experience little change in their bequest plans. The least wealthy, on the other hand, experience enhanced bequest motives for a short period before quickly spending their payouts. In the long run, these individuals even end up more likely to be receiving government support than widow(er)s without life insurance payouts.

Myopia and Moral Hazard in Health Insurance

Health insurance deductibles are designed to reduce medical spending by exposing consumers to higher upfront prices. I provide a formal analysis of what I term a ``deductible paradox”: within the standard forward-looking model of cost sharing, raising the deductible can paradoxically increase optimal spending for consumers who anticipate reaching the out-of-pocket maximum. When the model does predict a decline in utilization, it implies that small deductible increases should generate only modest reductions in spending. I test these predictions using quasi-experimental variation from Wisconsin’s introduction of a modest deductible in its previously zero-deductible health plan. Spending falls far more than the benchmark model can rationalize, with the largest reductions among high-risk enrollees who should respond least. To account for these patterns, I develop a behavioral dynamic model in which households respond myopically to spot prices and face billing delays. This behavioral model better matches both the magnitude and the risk gradient of the observed spending response, highlighting the central role of spot-price responses in shaping the impact of deductible changes.

Myopia and Moral Hazard in Health Insurance

The Impact of Decision Aids on Health Insurance Selection

with Justin Sydnor and Anya Samek

🏆 The Rising Financial Literacy Scholar Award, 2026 Stanford Financial Education Symposium

Suboptimal health insurance choices impose substantial welfare costs on households, with enrollment patterns frequently violating financial dominance despite stakes exceeding thousands of dollars annually. We use a randomized field experiment with public university employees during open enrollment to evaluate whether decision aids that clarify these financial consequences affect enrollment patterns. The setting features a financially dominant high-deductible plan that saves money for all workers regardless of health spending, with typical savings around $2,000 annually, and a requirement to make an active choice confirming plan selection. We find that decision aids improve cost recognition by 22 percentage points. Yet they increase intended enrollment in the high-deductible plan by 6 percentage points and actual enrollment by only 2 percentage points, revealing substantial attenuation from understanding to behavior. Survey responses reveal that concerns about managing a health savings account, aversion to out-of-pocket costs, and reluctance to change from familiar plans limit the translation into enrollment. Treatment effects are largest among workers with limited prior plan engagement and vary substantially by liquidity constraints.

The Impact of Decision Aids on Health Insurance Selection

The Generosity Paradox: When Less Generous Insurance Raises Spending

Download Paper | SSRN

Status: Under review.

This paper shows that standard models of moral hazard predict a generosity paradox: less generous insurance can increase rather than decrease medical spending. Higher cost sharing makes it easier to reach the out-of-pocket maximum, where the marginal price is zero. Forward-looking consumers near that threshold therefore opti- mally increase their spending to reach the maximum. Using existing empirical estimates of the health need distribution and moral hazard responsiveness, I find that in many realistic scenarios, decreases in generosity lead to aggregate increases in spending and welfare losses. I discuss the practical implications of this for plan designers.

The Generosity Paradox: When Less Generous Insurance Raises Spending

Work in Progress

Endogenous Spending and Labor Supply Response to Health Shocks

with Laura Waring

The Effects of Changes in Benefit Generosity: Evidence from Workers’ Compensation Coverage of Mental Health Conditions

with Jonghwa Do and Tyler Welch

Older Americans and Life Insurance Demand

with Tyler Welch

Sitemap

{% include base_path %}

A list of all the posts and pages found on the site. For you robots out there is an XML version available for digesting as well.

Pages

{% for post in site.pages %} {% include archive-single.html %} {% endfor %}

Posts

{% for post in site.posts %} {% include archive-single.html %} {% endfor %}

{% capture written_label %}’None’{% endcapture %}

{% for collection in site.collections %} {% unless collection.output == false or collection.label == “posts” %} {% capture label %}{{ collection.label }}{% endcapture %} {% if label != written_label %}

{{ label }}

{% capture written_label %}{{ label }}{% endcapture %} {% endif %} {% endunless %} {% for post in collection.docs %} {% unless collection.output == false or collection.label == “posts” %} {% include archive-single.html %} {% endunless %} {% endfor %} {% endfor %}

Posts by Tags

{% include base_path %} {% include group-by-array collection=site.posts field=”tags” %}

{% for tag in group_names %} {% assign posts = group_items[forloop.index0] %}

{{ tag }}

{% for post in posts %} {% include archive-single.html %} {% endfor %} {% endfor %}

Talk map

This map is generated from a Jupyter Notebook file in /_talks/talkmap.ipynb, which mines the location fields in the .md files in _talks/.

Teaching

{% include base_path %}

{% for post in site.teaching reversed %} {% include archive-single.html %} {% endfor %}

Terms and Privacy Policy

{% include base_path %} {% include toc %}

Privacy Policy

The privacy of my visitors is extremely important. This Privacy Policy outlines the types of personal information that is received and collected and how it is used.

First and foremost, I will never share your email address or any other personal information to anyone without your direct consent.

Log Files

Like many other websites, this site uses log files to help learn about when, from where, and how often traffic flows to this site. The information in these log files include:

  • Internet Protocol addresses (IP)
  • Types of browser
  • Internet Service Provider (ISP)
  • Date and time stamp
  • Referring and exit pages
  • Number of clicks

All of this information is not linked to anything that is personally identifiable.

Cookies and Web Beacons

When you visit this site “convenience” cookies are stored on your computer when you submit a comment to help you log in faster to Disqus the next time you leave a comment.

Third-party advertisers may also place and read cookies on your browser and/or use web beacons to collect information. This site has no access or control over these cookies. You should review the respective privacy policies on any and all third-party ad servers for more information regarding their practices and how to opt-out.

If you wish to disable cookies, you may do so through your web browser options. Instructions for doing so can be found on the specific web browsers’ websites.

Google Analytics

Google Analytics is a web analytics tool I use to help understand how visitors engage with this website. It reports website trends using cookies and web beacons without identifying individual visitors. You can read Google Analytics Privacy Policy.

Blog posts

{% include base_path %} {% capture written_year %}’None’{% endcapture %} {% for post in site.posts %} {% capture year %}{{ post.date | date: ‘%Y’ }}{% endcapture %} {% if year != written_year %} <h2 id="{{ year | slugify }}" class="archive__subtitle">{{ year }}</h2> {% capture written_year %}{{ year }}{% endcapture %} {% endif %} {% include archive-single.html %} {% endfor %}

@import “jekyll-theme-primer”;

Jupyter notebook markdown generator

Jupyter notebook markdown generator

These .ipynb files are Jupyter notebook files that convert a TSV containing structured data about talks (talks.tsv) or presentations (presentations.tsv) into individual markdown files that will be properly formatted for the academicpages template. The notebooks contain a lot of documentation about the process. The .py files are pure python that do the same things if they are executed in a terminal, they just don’t have pretty documentation.

<?xml version=”1.0” encoding=”utf-8”?>{% if page.xsl %}<?xml-stylesheet type=”text/xml” href=”{{ ‘/feed.xslt.xml’ absolute_url }}”?>{% endif %}<feed xmlns=”http://www.w3.org/2005/Atom” {% if site.lang %}xml:lang=”{{ site.lang }}”{% endif %}>Jekyll<link href=”{{ page.url absolute_url }}” rel=”self” type=”application/atom+xml” /><link href=”{{ ‘/’ absolute_url }}” rel=”alternate” type=”text/html” {% if site.lang %}hreflang=”{{ site.lang }}” {% endif %}/>{{ site.time date_to_xmlschema }}</updated>{{ page.url absolute_url xml_escape }}</id>{% assign title = site.title default: site.name %}{% if page.collection != “posts” %}{% assign collection = page.collection capitalize %}{% assign title = title append: “ append: collection %}{% endif %}{% if page.category %}{% assign category = page.category capitalize %}{% assign title = title append: “ append: category %}{% endif %}{% if title %}{{ title smartify xml_escape }}</title>{% endif %}{% if site.description %}{{ site.description xml_escape }}</subtitle>{% endif %}{% if site.author %}{{ site.author.name default: site.author xml_escape }}</name>{% if site.author.email %}{{ site.author.email xml_escape }}</email>{% endif %}{% if site.author.uri %}{{ site.author.uri xml_escape }}</uri>{% endif %}</author>{% endif %}{% if page.tags %}{% assign posts = site.tags[page.tags] %}{% else %}{% assign posts = site[page.collection] %}{% endif %}{% if page.category %}{% assign posts = posts where: “categories”, page.category %}{% endif %}{% unless site.show_drafts %}{% assign posts = posts where_exp: “post”, “post.draft != true” %}{% endunless %}{% assign posts = posts sort: “date” reverse %}{% assign posts_limit = site.feed.posts_limit default: 10 %}{% for post in posts limit: posts_limit %}<entry{% if post.lang %}{{“ “}}xml:lang=”{{ post.lang }}”{% endif %}>{% assign post_title = post.title smartify strip_html normalize_whitespace xml_escape %}{{ post_title }}<link href=”{{ post.url absolute_url }}” rel=”alternate” type=”text/html” title=”{{ post_title }}” />{{ post.date date_to_xmlschema }}</published>{{ post.last_modified_at default: post.date date_to_xmlschema }}</updated>{{ post.id absolute_url xml_escape }}</id>{% assign excerpt_only = post.feed.excerpt_only default: site.feed.excerpt_only %}{% unless excerpt_only %}<content type=”html” xml:base=”{{ post.url absolute_url xml_escape }}”><![CDATA[{{ post.content strip }}]]></content>{% endunless %}{% assign post_author = post.author default: post.authors[0] default: site.author %}{% assign post_author = site.data.authors[post_author] default: post_author %}{% assign post_author_email = post_author.email default: nil %}{% assign post_author_uri = post_author.uri default: nil %}{% assign post_author_name = post_author.name default: post_author %}{{ post_author_name default: “” xml_escape }}</name>{% if post_author_email %}{{ post_author_email xml_escape }}</email>{% endif %}{% if post_author_uri %}{{ post_author_uri xml_escape }}</uri>{% endif %}</author>{% if post.category %}<category term=”{{ post.category xml_escape }}” />{% elsif post.categories %}{% for category in post.categories %}<category term=”{{ category xml_escape }}” />{% endfor %}{% endif %}{% for tag in post.tags %}<category term=”{{ tag xml_escape }}” />{% endfor %}{% assign post_summary = post.description default: post.excerpt %}{% if post_summary and post_summary != empty %}<summary type="html"><![CDATA[{{ post_summary strip_html normalize_whitespace }}]]></summary>{% endif %}{% assign post_image = post.image.path default: post.image %}{% if post_image %}{% unless post_image contains “://” %}{% assign post_image = post_image absolute_url %}{% endunless %}<media:thumbnail xmlns:media=”http://search.yahoo.com/mrss/” url=”{{ post_image xml_escape }}” /><media:content medium=”image” url=”{{ post_image xml_escape }}” xmlns:media=”http://search.yahoo.com/mrss/” />{% endif %}</entry>{% endfor %}</feed>

Sitemap: {{ “sitemap.xml” absolute_url }}

Posts

Future Blog Post

This post will show up by default. To disable scheduling of future posts, edit config.yml and set future: false.

Blog Post number 4

This is a sample blog post. Lorem ipsum I can’t remember the rest of lorem ipsum and don’t have an internet connection right now. Testing testing testing this blog post. Blog posts are cool.

Headings are cool

You can have many headings

Aren’t headings cool?

Blog Post number 3

This is a sample blog post. Lorem ipsum I can’t remember the rest of lorem ipsum and don’t have an internet connection right now. Testing testing testing this blog post. Blog posts are cool.

Headings are cool

You can have many headings

Aren’t headings cool?

Blog Post number 2

This is a sample blog post. Lorem ipsum I can’t remember the rest of lorem ipsum and don’t have an internet connection right now. Testing testing testing this blog post. Blog posts are cool.

Headings are cool

You can have many headings

Aren’t headings cool?

Blog Post number 1

This is a sample blog post. Lorem ipsum I can’t remember the rest of lorem ipsum and don’t have an internet connection right now. Testing testing testing this blog post. Blog posts are cool.

Headings are cool

You can have many headings

Aren’t headings cool?

portfolio

Portfolio item number 1

This is an item in your portfolio. It can be have images or nice text. If you name the file .md, it will be parsed as markdown. If you name the file .html, it will be parsed as HTML.

Portfolio item number 2

This is an item in your portfolio. It can be have images or nice text. If you name the file .md, it will be parsed as markdown. If you name the file .html, it will be parsed as HTML.

publications

Endogenous Spending and Labor Supply Response to Health Shocks

with Laura Waring

The Effects of Changes in Benefit Generosity: Evidence from Workers’ Compensation Coverage of Mental Health Conditions

with Jonghwa Do and Tyler Welch

Older Americans and Life Insurance Demand

with Tyler Welch

To Smooth or Not to Smooth: Consumption Responses to Life Insurance Payouts

with Tyler Welch

There is a sizable academic literature studying the demand for life insurance products. Little is known, however, about how surviving spouses utilize life insurance payouts. We study individuals 50 and older and ask how they adjust their savings, spending, and bequest behavior after life insurance payouts are received. We show that, compared to widow(er)s not receiving payouts, widow(er)s receiving life insurance payouts do not experience shocks to consumption. We also show substantial heterogeneity in other household finance responses to payouts along the wealth distribution. The wealthiest survivors tend to save their payouts, spend down slowly, and experience little change in their bequest plans. The least wealthy, on the other hand, experience enhanced bequest motives for a short period before quickly spending their payouts. In the long run, these individuals even end up more likely to be receiving government support than widow(er)s without life insurance payouts.

Myopia and Moral Hazard in Health Insurance

Health insurance deductibles are designed to reduce medical spending by exposing consumers to higher upfront prices. I provide a formal analysis of what I term a ``deductible paradox”: within the standard forward-looking model of cost sharing, raising the deductible can paradoxically increase optimal spending for consumers who anticipate reaching the out-of-pocket maximum. When the model does predict a decline in utilization, it implies that small deductible increases should generate only modest reductions in spending. I test these predictions using quasi-experimental variation from Wisconsin’s introduction of a modest deductible in its previously zero-deductible health plan. Spending falls far more than the benchmark model can rationalize, with the largest reductions among high-risk enrollees who should respond least. To account for these patterns, I develop a behavioral dynamic model in which households respond myopically to spot prices and face billing delays. This behavioral model better matches both the magnitude and the risk gradient of the observed spending response, highlighting the central role of spot-price responses in shaping the impact of deductible changes.

Myopia and Moral Hazard in Health Insurance

The Impact of Decision Aids on Health Insurance Selection

with Justin Sydnor and Anya Samek

🏆 The Rising Financial Literacy Scholar Award, 2026 Stanford Financial Education Symposium

Suboptimal health insurance choices impose substantial welfare costs on households, with enrollment patterns frequently violating financial dominance despite stakes exceeding thousands of dollars annually. We use a randomized field experiment with public university employees during open enrollment to evaluate whether decision aids that clarify these financial consequences affect enrollment patterns. The setting features a financially dominant high-deductible plan that saves money for all workers regardless of health spending, with typical savings around $2,000 annually, and a requirement to make an active choice confirming plan selection. We find that decision aids improve cost recognition by 22 percentage points. Yet they increase intended enrollment in the high-deductible plan by 6 percentage points and actual enrollment by only 2 percentage points, revealing substantial attenuation from understanding to behavior. Survey responses reveal that concerns about managing a health savings account, aversion to out-of-pocket costs, and reluctance to change from familiar plans limit the translation into enrollment. Treatment effects are largest among workers with limited prior plan engagement and vary substantially by liquidity constraints.

The Impact of Decision Aids on Health Insurance Selection

The Generosity Paradox: When Less Generous Insurance Raises Spending

Download Paper | SSRN

Status: Under review.

This paper shows that standard models of moral hazard predict a generosity paradox: less generous insurance can increase rather than decrease medical spending. Higher cost sharing makes it easier to reach the out-of-pocket maximum, where the marginal price is zero. Forward-looking consumers near that threshold therefore opti- mally increase their spending to reach the maximum. Using existing empirical estimates of the health need distribution and moral hazard responsiveness, I find that in many realistic scenarios, decreases in generosity lead to aggregate increases in spending and welfare losses. I discuss the practical implications of this for plan designers.

The Generosity Paradox: When Less Generous Insurance Raises Spending

talks

Talk 1 on Relevant Topic in Your Field

This is a description of your talk, which is a markdown files that can be all markdown-ified like any other post. Yay markdown!

Tutorial 1 on Relevant Topic in Your Field

More information here

This is a description of your tutorial, note the different field in type. This is a markdown files that can be all markdown-ified like any other post. Yay markdown!

Talk 2 on Relevant Topic in Your Field

More information here

This is a description of your talk, which is a markdown files that can be all markdown-ified like any other post. Yay markdown!

Conference Proceeding talk 3 on Relevant Topic in Your Field

This is a description of your conference proceedings talk, note the different field in type. You can put anything in this field.

teaching

Business Analytics II

Undergraduate course (2021-2024 Spring)
University of Wisconsin-Madison

Experiments and Causal Methods for Business Insights

MSBA Course (2025 Fall)
University of Wisconsin-Madison

Consulting Project Capstone

MSBA Course (2026 Spring)
University of Wisconsin-Madison