Insurers participating in pooled-employer programs lose money, possibly due to adverse selection, as high-risk employees are more likely to select certain plans. (by Allison Bruce)

Adverse selection in the pension insurance market is overcome with mandating insurance coverage, but moral hazard persists. (by Jagadeesh Gokhale and Peter van Doren)

Argues that waiting periods for medical insurance coverage in South Africa should be used only to overcome adverse selection, not to forward discrimination.

A discussion of the theoretical and psychological elements of risk in the insurance industry (by Tim Harford)

A discussion of Akerlof's famous lemon problem, and the role of adverse selction in the markets for used cars and insurance (by Tim Harford)

An economist worries about the moral hazard created by the medicare prescription drug benefit. (by Austan Goolsbee)

Argues that politicians have overstated the moral hazard problem in medical insurance, as few people would overconsume medical services. (by Malcolm Gladwell)

Cites arguments that adverse selection will lead to only the healthiest accepting medical savings accounts, leaving remaining workers with higher health costs.

Employer life insurance is too costly due to adverse selection. Only the sickest employees sign up, leading to higher premiums.

Argues that the insurance-industry requirement to offer terrorism insurance will lead to more terrorist attacks as moral hazard precludes care.

Understanding the mixed strategy game of target selection and defense helps quantify risk.

Considers the relationship between credit histories and moral hazard in the insurance industry. (by Reginald Shareef)

Applications of Thaler's research on risk tolerance and rationality to poker

Deposit insurance agency may introduce moral hazard by charging the same premiums from all institutions regardless of risk.

Government aid to the insurance industry presents a moral hazard problem

Risk management and incentive pay in physician groups.

Both high and low auto insurance premiums can be self-fulfilling prophecies, as two equilibria exist. The better equilibrium, overcoming adverse selection, may come about by mandating insurance. (by Steven E. Landsburg)

Describes people's attitudes towards very unlikely risks, and the implications for finance, insurance, and government policy. (by John Kay)