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Maria Polyakova
Working Papers

Risk Perceptions and Protective Behaviors: Evidence from COVID-19 Pandemic

M. Kate Bundorf, Jill DeMatteis , Grant Miller, Maria Polyakova, Jailu L. Streeter , Jonathan Wivagg
Nation Bureau of Economic Research , 2021
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Journal Articles

Initial Economic Damage From the COVID-19 Pandemic in the United States Is More Widespread Across Ages and Geographies Than Initial Mortality Impacts

Maria Polyakova, Geoffrey Kocks, Victoria Udalova, Amy Finkelstein
Proceedings of the National Academy of Sciences , 2020
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Journal Articles

ACA Marketplace Premiums and Competition Among Hospitals and Physician Practices

Maria Polyakova, M. Kate Bundorf, Daniel P. Kessler, Laurence C. Baker
The American Journal of Managed Care , 2018

In this study published in the American Journal of Managed Care, the authors found that premiums for ACA Marketplace plans were higher in rating areas in which physician, hospital, and insurance markets were less competitive.

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Journal Articles

Marketplace Plans Provide Risk Protection, But Actuarial Values Overstate Realized Coverage For Most Enrollees

Maria Polyakova, Lynn M. Hua, M. Kate Bundorf
Health Affairs , 2017

The Affordable Care Act (ACA) has increased the number of Americans with health insurance. Yet many policy makers and consumers have questioned the value of Marketplace plan coverage because of the generally high levels of cost sharing. We simulated out-of-pocket spending for bronze, silver, or gold Marketplace plans (those having actuarial values of 60 percent, 70 percent, and 80 percent, respectively).

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Journal Articles

Risk selection and heterogeneous preferences in health insurance markets with a public option

Maria Polyakova
Journal of Health Economics , 2016

Abstract:  Conventional wisdom suggests that if private health insurance plans compete alongside a public option, they may endanger the latter's financial stability by cream-skimming good risks. This paper argues that two factors may contribute to the extent of cream-skimming: (i) degree of horizontal differentiation between public and private options when preferences are heterogeneous; (ii) whether contract design encourages choice of private insurance before information about risk is revealed.

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Working Papers

Private Provision of Social Insurance: Drug-Specific Price Elasticities and Cost Sharing in Medicare Part D

Liran Einav, Amy Finkelstein, Maria Polyakova
National Bureau of Economic Research , 2016
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Journal Articles

Regulation of Insurance with Adverse Selection and Switching Costs: Evidence from Medicare Part D

Maria Polyakova
American Economic Journal: Applied Economics , 2016
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Working Papers

Welfare Effects of Supply-Side Regulation in Medicare Part D

Francesco Decarolis, Maria Polyakova, Stephen Ryan
National Bureau of Economic Research , 2015
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