Edmond Baranes

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This article examines a model of competition between two types of health insurer: Health Maintenance Organizations (HMOs) and nonintegrated insurers. HMOs vertically integrate health care providers and pay them at a competitive price, while nonintegrated health insurers work as indemnity plans and pay the health care providers freely chosen by policyholders(More)
The aim of this paper is to present contrasting evidence to an interesting issue concerning the existence of the "waterbed effect" in Europe's mobile telephony. This issue arises when reducing mobile termination rates (MTRs) generally increases the level of retail prices for mobile subscribers. This is a key issue in Europe because the MTRs have been(More)
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