Intersecting Worlds: Promoting Affordable Care Act Enrollment Through Community Tax-Preparation Programs

This report tells how four tax-preparation programs are breaking the mold and tackling the world of health care enrollment. Readers will learn the challenges and opportunities associated with such a move, which has the potential to help millions of low-income Americans take a critical first step toward a healthier future

Comment: Consumerism’s Forgotten Man

This comment will analyze the Home Solicitation Sales Act in terms of the special needs of the low income consumer and will suggest an additional statutory approach to protect consumers of lower economic strata

Surviving, and Maybe Thriving, on Vouchers

The Workforce Investment Act (WIA), the new law restructuring the nation's workforce development system, marks a significant change for job seekers and the practitioners who serve them. Under WIA, eligible job seekers will be issued Individual Training Accounts (ITAs), or vouchers, that can be used to enter training programs from a state-approved list. Whether vouchers will meet the goal of improving the quality of training will not be known for some time. However, the impact on organizations that serve job seekers will be immediate. Surviving, and Maybe Thriving, on Vouchers offers workforce development practitioners critical lessons about how they can adapt to this new environment, based on the experiences of organizations in jurisdictions that are already relying on vouchers

Network mechanisms and social ties in markets for low- and unskilled jobs: (theory and) evidence from North-India

Abstract: Workplace referrals may resolve incentive problems that arise due to incomplete contracts. We use an in-depth primary data set covering low- and unskilled migrants from Western Uttar Pradesh (India), to examine this and alternative explanations for referral-based recruitment. We find little evidence of referral screening for unobservable worker traits, but some support for a hypothesis of referral as a mechanism to enforce workforce discipline. Two observations back this conjecture: the high prevalence of strong kinship ties between referees and new recruits and that those who recruit are in more ‘prestigious’ jobs and therefore have higher stakes vis-à-vis their employer. These main findings are exposed to robustness checks to rule out rival explanations: that entry through a workplace insider merely reflects privileged access to job vacancy information; that workplace clustering results from preferences for working together or that the higher prevalence of referral for very young migrants that we observe may reflect that referral has an insurance dimension.Work Migration; Social Networks; Screening; Moral Hazard

Managed Care

By 1993, over 70% of all Americans with health insurance were enrolled in some form of managed care plan. The term managed care encompasses a diverse array of institutional arrangements, which combine various sets of mechanisms, that, in turn, have changed over time. The chapter reviews these mechanims, which, in addition to the methods employed by traditional insurance plans, include the selection and organization of providers, the choice of payment methods (including capitation and salary payment), and the monitoring of service utilization. Managed care has a long history. For an extended period, this form of organization was discouraged by a hostile regulatory environment. Since the early 1980s, however, managed care has grown dramatically. Neither theoretical nor empirical research have yet provided an explanation for this pattern of growth. The growth of managed care may be due to this organizational form's relative success in responding to underlying market failures in the health care system - asymmetric information about health risks, moral hazard, limited information on quality, and limited industry competitiveness. The chapter next explores managed care's response to each of these problems. The chapter then turns to empirical research on managed care. Managed care plans appear to attract a population that is somewhat lower cost than that enrolled in conventional insurance. This complicates analysis of the effect of managed care on utilization. Nonetheless, many studies suggest that managed care plans reduce the rate of health care utilization somewhat. Less evidence exists on their effect on overall health care costs and cost growth.

Lessons From High- and Low-Performing States for Raising Overall Health System Performance

Examines socioeconomic, demographic, political, cultural, and marketplace factors that influence health system improvement in high- and low-ranking states in the State Scorecard on Health System Performance and outlines promising strategies

Life-style orientation and contents of websites in personas industry

Electronic commerce challenges personas companies to design electronic system to increase interaction which leads to retain customers and increase sales. This exploratory study examines the correlation between lifestyle and emphasis on contents of website in personas industry. The study finds that market segment of lifestyle can be divided into four groups: ‘opinion leader’, ‘opinion follower’, ‘conservative’ and ‘challenger’. This paper tries to suggest a checklist to a vendor. We conclude that AIO can be a base of market segment in personas industry. We suggest some important factors which are included of the customized services, the safety of use factors, the store information and the menu illustration. Finally, we also conclude that the first three important factors of websites have significant influences on market segments of personas industry except for the store information factor.AIO, market segmentation, personas industry.

Doctor of Philosophy

dissertationMarketers invest significantly in generating consumer action, with curiosity one of many ways to pique interest. This is the topic of our first essay, in which we discuss how discounted price displays arouse curiosity, thus affecting information search behavior. This essay moves beyond the assumption that any prediscounted price will elicit the same consumer response and considers four moderating factors, including i) absolute price, ii) dispositional curiosity, iii) expected price and iv) drive states such as hunger. In a series of examinations, we propose that higher (lower) prices generate greater (less) curiosity. Findings inform psychology-based accounts of curiosity and provide implications for marketers in understanding pricing`s effect on information seeking. Essays 2 and 3 explore the long-term impact of a referral on sender and receiver behavior. Marketers have long sought to harness the influence of existing customers, with much literature focusing on a referral`s worth. While prior research has extensively examined referral value, less is known about how the specific information within the referral itself differentially influences behavior. Thus, Essay 2 focuses on the degree of customization within the referral, examining for both senders and receivers the influence of custom (sender-generated) versus standard (company-generated on behalf of sender) referrals. To test our predictions, we utilize email referrals from retail customers and compare purchase behavior between these referral types, testing the underlying theories of spotlight effect and reciprocity. In our third essay, we ask whether the act of referring changes long term purchase behavior of referrers. Extensive literature has proved the value of customers acquired through referral efforts of existing customers. However, while much is known about the incremental value of referrals, less is known about the intervening role of the referral itself. Therefore, in our research we seek to understand how a referral influences future sender behavior and ask whether the act of referring results in an increase, decrease, or consistency in purchases for senders. We explore opposing predictions based on i) dissonance and ii) market mavens and explore these predictions through an empirical examination of transaction data, offering implications for marketers and theorists alike