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BEGIN:VEVENT
DTSTAMP:20260426T092203Z
DTSTART;VALUE=DATE-TIME:20260512T141500
DTEND;VALUE=DATE-TIME:20260512T153000
SUMMARY:Applied & Development Economics Seminar - Kelsey Jack (UC Berkele
 y)
TZID:Europe/London
UID:20260512-8ac672c79874bc130198754a38f2047b@warwick.ac.uk
CREATED:20260413T094757Z
DESCRIPTION:Title: Health Insurance for Seasonal Savings: Evidence from R
 ural Côte d'Ivoire Authors: Günther Fink\, B. Kelsey Jack\, Renate Strob
 l\, Dao Daouda Abstract: Households in low-income agricultural economies
  face large seasonal fluctuations in income and limited access to financ
 ial tools for smoothing consumption. In such settings\, health insurance
  can serve not only as risk protection\, but also as a state-contingent 
 savings technology\, transferring resources from high-income harvest per
 iods to low-income lean periods. We study the rollout of Côte d'Ivoire's
  national health insurance scheme in a context with high morbidity\, sub
 stantial out-of-pocket expenditures\, and pronounced income seasonality-
 --conditions under which the potential welfare gains from insurance are 
 particularly large. Using a randomized subsidy design among 2\,468 cocoa
 -farming households\, we show that insurance demand is highly responsive
  to both price and cash-on-hand liquidity. Despite strong demand and act
 uarially favorable pricing\, we find limited effects on health spending 
 or consumption. We show that this disconnect arises from frictions in ac
 cessing benefits\, including weak verification and reimbursement environ
 ments that limit providers' willingness to honor coverage without immedi
 ate proof. Our results highlight the importance of implementation\, trus
 t\, and contract enforceability in determining the welfare impacts of so
 cial insurance.
LOCATION:S2.79
CATEGORIES:Applied & Development Economics Seminar
LAST-MODIFIED:20260413T094757Z
ORGANIZER;CN=Gill Gudger:
END:VEVENT
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