Building Health Insurance Literacy: Evidence from the Smart Choice Health Insurance™ Program

With the passage of the Patient Protection and Affordable Care Act (ACA) of 2010, the health insurance literacy of Americans became a critical issue. In response, a consumer education program was created and tested by university researchers and educators associated with Cooperative Extension. This article draws extensively on the emerging literature on health insurance literacy and on data from participants in the Smart Choice Health Insurance? program. The intent of the study was to understand socio-demographic and environmental variables that predict initial health insurance literacy and gains in health insurance literacy. A standardized instrument measuring health insurance literacy was used to collect the data. Multivariate analysis showed higher income consumers demonstrated greater initial health insurance literacy scores compared to middle income consumers, whereas younger, male and lower educated consumers reported lower initial health insurance literacy. After participating in the Smart Choice Health Insurance? program, consumers who made greater gains in their health insurance literacy tended to be female, higher income, and consumers residing in states that showed supportiveness of the ACA. The findings highlight the importance of considering sociodemographic characteristics in program design and delivery, as well as how contextual issues, such as the political environment, might impact the delivery of educational efforts. Findings from the analyses help inform ways to adapt and tailor educational opportunities that focus on health insurance literacy for a range of consumers.     

Ambiguity aversion in multi-armed bandit problems

In multi-armed bandit problems, information acquired from experimentation is valuable because it tells the agent whether to select a particular option again in the future. This article tests whether people undervalue this information because they are ambiguity averse, or have a distaste for uncertainty about the average quality of each alternative. It is shown that ambiguity averse agents have lower than optimal Gittins indexes, appearing to undervalue information from experimentation, but are willing to pay more than ambiguity neutral agents to learn the true mean of the payoff distribution, appearing to overvalue objectively given information. This prediction is tested with a laboratory experiment that elicits a Gittins index and a willingness to pay on six two-armed bandits. Consistent with the predictions of ambiguity aversion, the Gittins indexes are significantly lower than optimal and willingnesses to pay are significantly higher than optimal.     

Religious Attendance,Stress, and Happiness in South Korea: Do Gender and Religious Affiliation Matter?

Is religious attendance positively associated with happiness in South Korea? If yes, can religious attendance buffer against the harmful effect of stress on happiness? Moreover, do gender and religious affiliation modify these associations? This study addresses these questions with data from 2009 Korean General Social Survey which is a nationally representative survey (N = 1,599). Ordinal least square regression analyses reveal that although the effect size is relatively small, religious attendance is associated with a higher level of happiness in South Korea. However, this positive effect holds only for women and only for Protestants. In addition, an interaction effect between religious attendance and stress is observed for women only; the negative association between stress and happiness is weakened among those women who report more frequent church attendance. In this regard, a high level of church attendance buffers against the deleterious effects of stress on happiness for women. I discuss the implications of the findings with regard to theories about religion, mental health, and gender in South Korean context.     

Führung in Familienunternehmen: Besonderheiten der Entscheidungsfindung und Verhaltenssteuerung und deren Auswirkung auf den Unternehmenserfolg

This paper draws on a survey design to investigate whether family ownership and leadership have an influence on the decision-facilitating and decision-influencing roles of management control. Moreover, we investigate whether the more intuitive decision making in family firms which is often said to be caused by a lack of professionalism, is indeed a disadvantage. The results indicate significant differences in the use of management controls between family firms and non-family firms. However, in contrast to the prevailing view in literature, the performance of family firms is not affected negatively by their specific way of making decisions and by their more centralized management style. According to our data, the prevailing characterization of family firms as being less professionally managed seems questionable.     

Have Labor Market Reforms at the Turn of the Millennium Changed the Job and Employment Durations of new Entrants?

Many European countries during the 1990s and early 2000s tried to raise labor market flexibility by relaxing their employment protection legislation. This paper investigates whether the reforms have influenced job and employment stability for labor market entrants in Germany and Italy. Duration models are estimated using comparable administrative data for the two countries. The results provide, to some extent, evidence of a decrease in job stability. However, this is not accompanied by a compensating increase in employment stability during the first 3 years after labor market entry.     

Global Health Volunteering; Understanding Organizational Goals

This paper examines the goals of organizations that sponsor short-term volunteer trips in global health, whether they be NGO’s, faith-based, educational, or corporate organizations. Results from a U.S.-based national survey of 177 such organizations and 27 interviews with trip organizers suggest that organizations often sponsor volunteer trips to achieve goals that are quite different from the improvement of health outcomes in poor countries. While providing health services is often cited as the most important goal, volunteer activity is also considered important in enhancing the organizations’ reputation, recruitment and retention, and financial well-being. The prominence of other goals has the potential for diverting resources and focus from what is presumably the primary purpose of serving host communities in the most effective manner possible.     

Beyond the urban stream syndrome: organic matter budget for diagnostics and restoration of an impaired urban river

In response to water quality standard violations linked to excessive organic matter (OM) and a lack of sampling data informing the Total Maximum Daily Load (TMDL), an organic matter budget was created to quantify and identify sources of OM in the lower Jordan River (Salt Lake City, UT). By sampling dissolved, fine and coarse particulate OM, as well as measuring ecosystem metabolism at seven different sites, the researchers aimed to identify the origin of excess OM, and understand pathways by which different size classes of the OM pool are generated. The dissolved fraction (DOM; 94 %) was found to be the dominant form of OM transported within the river with fine particulate organic matter (FPOM; 6 %) the second most abundant, and coarse particulate organic matter (CPOM; 1 %) transport relatively insignificant in the overall OM budget. Primary production exceeded respiratory losses in the upper river, and this, along with OM inputs from two tributaries (where water reclamation facilities discharge into the river) delivered excess OM to the impaired lower reaches. Increasing stream metabolism index (SMI) with distance downstream (>1 in the lower river) further demonstrated that transport of excessive organic matter into the lower river was from upstream sources and not due to lateral inputs. This simple approach to characterizing the organic matter budget as it relates to water quality in the Jordan River was effective and could serve as a model for future studies attempting to quantify and identify sources of OM in urban ecosystems.     

Tukey’s M-estimator of the Poisson parameter with a special focus on small means

We treat robust M-estimators for independent and identically distributed Poisson data. We introduce modified Tukey M-estimators with bias correction and compare them to M-estimators based on the Huber function as well as to weighted likelihood and other estimators by simulation in case of clean data and data with outliers. In particular, we investigate the problem of combining robustness and high efficiencies at small Poisson means caused by the strong asymmetry of such Poisson distributions and propose a further estimator based on adaptive trimming. The advantages of the constructed estimators are illustrated by an application to smoothing count data with a time varying mean and level shifts.     

Adaption agiler Prinzipien für den Hochschulkontext am Beispiel des Universitätskollegs der Universität Hamburg

This report on practice discusses the pertinence of agile principles on the basis of the case “Universitätskolleg”, a central organisational unit of Universität Hamburg to promote the quality of studies and teaching. It describes previous experience with the framework scrum and the method Lean Kanban in mind. Odds and challenges of agile principles in university context are described and reflected and next steps are named.