This paper empirically assesses the selection effects and determinants of the demand for supple-mental health insurance that covers hospital and dental benefits in Germany. Our representative dataset provides doctor-diagnosed indicators of the individual’s health status, risk attitude, demand for medical services and insurance purchases in other lines of insurance as well as rich demographic and socioeconomic ...
The fourth essay (co-authored by Marten von Werder) analyzes the causal effects of tracking, the practice of grouping students by ability, on educational outcomes and the intergenerational transmission of education. While proponents of tracking argue that the practice increases efficiency in educational production, opponents point out that tracking potentially aggravates initial differences between ...