TAILIEUCHUNG - CREDIT-BASED INSURANCE SCORES: IMPACTS ON CONSUMERS OF AUTOMOBILE INSURANCE

While prominence in health policy greatly affects the size of the PHI market – in terms of population coverage, contribution to health financing or scope of government interventions – there is no necessary link between the three factors. There are sizeable PHI markets in a range of health systems with diverse mixes of public and private financing. The size of PHI markets may also result from consumer demand for better choice and more comprehensive cover, even where there is little stimulation through policy levers. Likewise, there is a large variety of institutional arrangements and different policy views towards PHI in the countries where private health cover. | CREDIT-BASED INSURANCE SCORES IMPACTS ON CONSUMERS OF AUTOMOBILE INSURANCE A Report to Congress by the Federal Trade Commission July 2007 FEDERAL TRADE COMMISSION Deborah Platt Majoras Pamela Jones Harbour Jon Leibowitz William E. Kovacic J. Thomas Rosch Chairman Commissioner Commissioner Commissioner Commissioner Bureau of Economics Michael R. Baye Paul A. Pautler Jesse B. Leary Director Deputy Director for Consumer Protection Assistant Director Division of Consumer Protection Bureau of Consumer Protection Lydia B. Parnes Mary Beth Richards Peggy Twohig Thomas B. Pahl Director Deputy Director Associate Director Division of Financial Practices Assistant Director Division of Financial Practices Analysis Team Matias Barenstein Economist Bureau of Economics Div. of Consumer Protection Archan Ruparel Research Analyst Bureau of Economics Div. of Consumer Protection Raymond K. Thompson Research Analyst Bureau of Economics Div. of Consumer Protection Other Contributors Erik W. Durbin Dept. Assistant Director Bureau of Economics Div. of Consumer Protection Christopher R. Kelley Research Analyst Bureau of Economics Div. of Consumer Protection Kenneth H. Kelly Economist Bureau of Economics Div. of Consumer Protection Michael J. Pickford Research Analyst Bureau of Economics Div. of Consumer Protection W. Russell Porter Economist Bureau of Economics Div. of Consumer .

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