Corporate Moral Hazard In U.S. Health Insurance: Churn And Denial Rates

This dissertation uses the New Hampshire APCD to examine whether commercial insurers increase claim denial rates ahead of the predictable transition to Medicare at age 65, finding statistically significant spikes in denials — particularly for lab tests, durable medical equipment, and musculoskeletal procedures — consistent with cost-shifting behavior the author defines as corporate moral hazard.

Case Study Link: Corporate Moral Hazard In U.S. Health Insurance: Churn And Denial Rates

Case Study Contact: Mah-Afroze Chughtai