TITLE (Author's Reply)
"The Demand for Health Insurance: A Preference for Certain Losses or Desire for Income Transfers If Ill?," Journal of Insurance Issues, John A. Nyman, Spring 2006, Vol. 29, No. 1, pp. 88-102. Full-text articles soon will be available through ABI/INFORM and EBSCO; click here for article PDF. 

ABSTRACT
This paper critically evaluates a recently introduced theory of the demand for health insurance. The new model makes a valuable contribution to the theoretical literature on moral hazard and the debate over national health insurance, but as a general explanation of the demand for health insurance it fails to provide a robust alternative to conventional theory.

Key words: Moral hazard, medical care, risk aversion