Disasters and health insurance: Evidence from Louisiana
Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper ex...
Ausführliche Beschreibung
Autor*in: |
Barnes, Stephen [verfasserIn] Joshi, Swarup [verfasserIn] Terrell, Dek [verfasserIn] |
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Format: |
E-Artikel |
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Sprache: |
Englisch |
Erschienen: |
2023 |
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Schlagwörter: |
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Übergeordnetes Werk: |
Enthalten in: Economic modelling - Amsterdam : Elsevier [u.a.], 1984, 128 |
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Übergeordnetes Werk: |
volume:128 |
DOI / URN: |
10.1016/j.econmod.2023.106516 |
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Katalog-ID: |
ELV064872017 |
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10.1016/j.econmod.2023.106516 doi (DE-627)ELV064872017 (ELSEVIER)S0264-9993(23)00328-0 DE-627 ger DE-627 rda eng 330 VZ Barnes, Stephen verfasserin aut Disasters and health insurance: Evidence from Louisiana 2023 nicht spezifiziert zzz rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper explores the impact of a series of disasters (hurricanes and floods) striking the state of Louisiana in the decision to purchase health insurance. Using the staggered difference-in-differences method, we find that health insurance rates rise for those impacted by natural disasters. We also find a positive relationship between disaster aid (at the parish level) and health insurance take-up rates. The study confirms the economic theory of risk perception and insurance demand, while also highlighting the role of governance and institutions during crises (such as natural disasters) by providing evidence that fiscal policy disaster relief can have a second-order effect on health insurance take-up rates. Health insurance Crisis Governance Risk Joshi, Swarup verfasserin (orcid)0000-0002-6742-2238 aut Terrell, Dek verfasserin aut Enthalten in Economic modelling Amsterdam : Elsevier [u.a.], 1984 128 Online-Ressource (DE-627)320507459 (DE-600)2013002-8 (DE-576)094056749 0264-9993 nnns volume:128 GBV_USEFLAG_U GBV_ELV SYSFLAG_U GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 128 |
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10.1016/j.econmod.2023.106516 doi (DE-627)ELV064872017 (ELSEVIER)S0264-9993(23)00328-0 DE-627 ger DE-627 rda eng 330 VZ Barnes, Stephen verfasserin aut Disasters and health insurance: Evidence from Louisiana 2023 nicht spezifiziert zzz rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper explores the impact of a series of disasters (hurricanes and floods) striking the state of Louisiana in the decision to purchase health insurance. Using the staggered difference-in-differences method, we find that health insurance rates rise for those impacted by natural disasters. We also find a positive relationship between disaster aid (at the parish level) and health insurance take-up rates. The study confirms the economic theory of risk perception and insurance demand, while also highlighting the role of governance and institutions during crises (such as natural disasters) by providing evidence that fiscal policy disaster relief can have a second-order effect on health insurance take-up rates. Health insurance Crisis Governance Risk Joshi, Swarup verfasserin (orcid)0000-0002-6742-2238 aut Terrell, Dek verfasserin aut Enthalten in Economic modelling Amsterdam : Elsevier [u.a.], 1984 128 Online-Ressource (DE-627)320507459 (DE-600)2013002-8 (DE-576)094056749 0264-9993 nnns volume:128 GBV_USEFLAG_U GBV_ELV SYSFLAG_U GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 128 |
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10.1016/j.econmod.2023.106516 doi (DE-627)ELV064872017 (ELSEVIER)S0264-9993(23)00328-0 DE-627 ger DE-627 rda eng 330 VZ Barnes, Stephen verfasserin aut Disasters and health insurance: Evidence from Louisiana 2023 nicht spezifiziert zzz rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper explores the impact of a series of disasters (hurricanes and floods) striking the state of Louisiana in the decision to purchase health insurance. Using the staggered difference-in-differences method, we find that health insurance rates rise for those impacted by natural disasters. We also find a positive relationship between disaster aid (at the parish level) and health insurance take-up rates. The study confirms the economic theory of risk perception and insurance demand, while also highlighting the role of governance and institutions during crises (such as natural disasters) by providing evidence that fiscal policy disaster relief can have a second-order effect on health insurance take-up rates. Health insurance Crisis Governance Risk Joshi, Swarup verfasserin (orcid)0000-0002-6742-2238 aut Terrell, Dek verfasserin aut Enthalten in Economic modelling Amsterdam : Elsevier [u.a.], 1984 128 Online-Ressource (DE-627)320507459 (DE-600)2013002-8 (DE-576)094056749 0264-9993 nnns volume:128 GBV_USEFLAG_U GBV_ELV SYSFLAG_U GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 128 |
allfieldsGer |
10.1016/j.econmod.2023.106516 doi (DE-627)ELV064872017 (ELSEVIER)S0264-9993(23)00328-0 DE-627 ger DE-627 rda eng 330 VZ Barnes, Stephen verfasserin aut Disasters and health insurance: Evidence from Louisiana 2023 nicht spezifiziert zzz rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper explores the impact of a series of disasters (hurricanes and floods) striking the state of Louisiana in the decision to purchase health insurance. Using the staggered difference-in-differences method, we find that health insurance rates rise for those impacted by natural disasters. We also find a positive relationship between disaster aid (at the parish level) and health insurance take-up rates. The study confirms the economic theory of risk perception and insurance demand, while also highlighting the role of governance and institutions during crises (such as natural disasters) by providing evidence that fiscal policy disaster relief can have a second-order effect on health insurance take-up rates. Health insurance Crisis Governance Risk Joshi, Swarup verfasserin (orcid)0000-0002-6742-2238 aut Terrell, Dek verfasserin aut Enthalten in Economic modelling Amsterdam : Elsevier [u.a.], 1984 128 Online-Ressource (DE-627)320507459 (DE-600)2013002-8 (DE-576)094056749 0264-9993 nnns volume:128 GBV_USEFLAG_U GBV_ELV SYSFLAG_U GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 128 |
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10.1016/j.econmod.2023.106516 doi (DE-627)ELV064872017 (ELSEVIER)S0264-9993(23)00328-0 DE-627 ger DE-627 rda eng 330 VZ Barnes, Stephen verfasserin aut Disasters and health insurance: Evidence from Louisiana 2023 nicht spezifiziert zzz rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper explores the impact of a series of disasters (hurricanes and floods) striking the state of Louisiana in the decision to purchase health insurance. Using the staggered difference-in-differences method, we find that health insurance rates rise for those impacted by natural disasters. We also find a positive relationship between disaster aid (at the parish level) and health insurance take-up rates. The study confirms the economic theory of risk perception and insurance demand, while also highlighting the role of governance and institutions during crises (such as natural disasters) by providing evidence that fiscal policy disaster relief can have a second-order effect on health insurance take-up rates. Health insurance Crisis Governance Risk Joshi, Swarup verfasserin (orcid)0000-0002-6742-2238 aut Terrell, Dek verfasserin aut Enthalten in Economic modelling Amsterdam : Elsevier [u.a.], 1984 128 Online-Ressource (DE-627)320507459 (DE-600)2013002-8 (DE-576)094056749 0264-9993 nnns volume:128 GBV_USEFLAG_U GBV_ELV SYSFLAG_U GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_32 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_74 GBV_ILN_90 GBV_ILN_95 GBV_ILN_100 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_187 GBV_ILN_213 GBV_ILN_224 GBV_ILN_230 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2001 GBV_ILN_2003 GBV_ILN_2004 GBV_ILN_2005 GBV_ILN_2007 GBV_ILN_2008 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2015 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2025 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2044 GBV_ILN_2048 GBV_ILN_2049 GBV_ILN_2050 GBV_ILN_2055 GBV_ILN_2056 GBV_ILN_2059 GBV_ILN_2061 GBV_ILN_2064 GBV_ILN_2088 GBV_ILN_2106 GBV_ILN_2110 GBV_ILN_2111 GBV_ILN_2112 GBV_ILN_2122 GBV_ILN_2129 GBV_ILN_2143 GBV_ILN_2152 GBV_ILN_2153 GBV_ILN_2190 GBV_ILN_2232 GBV_ILN_2336 GBV_ILN_2470 GBV_ILN_2507 GBV_ILN_4035 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4242 GBV_ILN_4249 GBV_ILN_4251 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4333 GBV_ILN_4334 GBV_ILN_4338 GBV_ILN_4393 GBV_ILN_4700 AR 128 |
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language_de |
englisch |
fullrecord |
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Disasters and health insurance: Evidence from Louisiana |
abstract |
Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper explores the impact of a series of disasters (hurricanes and floods) striking the state of Louisiana in the decision to purchase health insurance. Using the staggered difference-in-differences method, we find that health insurance rates rise for those impacted by natural disasters. We also find a positive relationship between disaster aid (at the parish level) and health insurance take-up rates. The study confirms the economic theory of risk perception and insurance demand, while also highlighting the role of governance and institutions during crises (such as natural disasters) by providing evidence that fiscal policy disaster relief can have a second-order effect on health insurance take-up rates. |
abstractGer |
Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper explores the impact of a series of disasters (hurricanes and floods) striking the state of Louisiana in the decision to purchase health insurance. Using the staggered difference-in-differences method, we find that health insurance rates rise for those impacted by natural disasters. We also find a positive relationship between disaster aid (at the parish level) and health insurance take-up rates. The study confirms the economic theory of risk perception and insurance demand, while also highlighting the role of governance and institutions during crises (such as natural disasters) by providing evidence that fiscal policy disaster relief can have a second-order effect on health insurance take-up rates. |
abstract_unstemmed |
Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper explores the impact of a series of disasters (hurricanes and floods) striking the state of Louisiana in the decision to purchase health insurance. Using the staggered difference-in-differences method, we find that health insurance rates rise for those impacted by natural disasters. We also find a positive relationship between disaster aid (at the parish level) and health insurance take-up rates. The study confirms the economic theory of risk perception and insurance demand, while also highlighting the role of governance and institutions during crises (such as natural disasters) by providing evidence that fiscal policy disaster relief can have a second-order effect on health insurance take-up rates. |
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<?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim"><record><leader>01000naa a22002652 4500</leader><controlfield tag="001">ELV064872017</controlfield><controlfield tag="003">DE-627</controlfield><controlfield tag="005">20230928144005.0</controlfield><controlfield tag="007">cr uuu---uuuuu</controlfield><controlfield tag="008">230928s2023 xx |||||o 00| ||eng c</controlfield><datafield tag="024" ind1="7" ind2=" "><subfield code="a">10.1016/j.econmod.2023.106516</subfield><subfield code="2">doi</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(DE-627)ELV064872017</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(ELSEVIER)S0264-9993(23)00328-0</subfield></datafield><datafield tag="040" ind1=" " ind2=" "><subfield code="a">DE-627</subfield><subfield code="b">ger</subfield><subfield code="c">DE-627</subfield><subfield code="e">rda</subfield></datafield><datafield tag="041" ind1=" " ind2=" "><subfield code="a">eng</subfield></datafield><datafield tag="082" ind1="0" ind2="4"><subfield code="a">330</subfield><subfield code="q">VZ</subfield></datafield><datafield tag="100" ind1="1" ind2=" "><subfield code="a">Barnes, Stephen</subfield><subfield code="e">verfasserin</subfield><subfield code="4">aut</subfield></datafield><datafield tag="245" ind1="1" ind2="0"><subfield code="a">Disasters and health insurance: Evidence from Louisiana</subfield></datafield><datafield tag="264" ind1=" " ind2="1"><subfield code="c">2023</subfield></datafield><datafield tag="336" ind1=" " ind2=" "><subfield code="a">nicht spezifiziert</subfield><subfield code="b">zzz</subfield><subfield code="2">rdacontent</subfield></datafield><datafield tag="337" ind1=" " ind2=" "><subfield code="a">Computermedien</subfield><subfield code="b">c</subfield><subfield code="2">rdamedia</subfield></datafield><datafield tag="338" ind1=" " ind2=" "><subfield code="a">Online-Ressource</subfield><subfield code="b">cr</subfield><subfield code="2">rdacarrier</subfield></datafield><datafield tag="520" ind1=" " ind2=" "><subfield code="a">Natural disasters can have important impacts on an individual’s decision to purchase insurance. The literature primarily focuses on the impact of natural disasters on the decision to buy flood or property insurance policies that would compensate the policyholder during a similar event. This paper explores the impact of a series of disasters (hurricanes and floods) striking the state of Louisiana in the decision to purchase health insurance. Using the staggered difference-in-differences method, we find that health insurance rates rise for those impacted by natural disasters. We also find a positive relationship between disaster aid (at the parish level) and health insurance take-up rates. The study confirms the economic theory of risk perception and insurance demand, while also highlighting the role of governance and institutions during crises (such as natural disasters) by providing evidence that fiscal policy disaster relief can have a second-order effect on health insurance take-up rates.</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Health insurance</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Crisis</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Governance</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Risk</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Joshi, Swarup</subfield><subfield code="e">verfasserin</subfield><subfield code="0">(orcid)0000-0002-6742-2238</subfield><subfield code="4">aut</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Terrell, 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