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(PART A) 7. [4 points] Ben Handel, Amitabh Chandra, and Jon Kolstad look at the impact of a firm shifting its employees from a first-dollar coverage plan onto a high deductible health insurance plan (HDHP). Individual Mean Spending Dollars, CPI Adjusted 150 200 250 300 350 400 Month Primary Sample The left panel presents unweighted spending over time for early switchers to the HDHP alongside our primary sample. The right panel presents spending for our primary sample alongside spending for the weighted control group formed from Truven MarketScan data. They compare the group moved to the HDHP to a market average (Truven). What type of agency problem is evident in this graph? Would this problem be solved by government provided health care? PART (B) () Suppose you make $40,000 per year and face a 20% marginal tax rate on taxable income. If your employer pays for your $4,000 per year insurance policy and deducts the expense from your salary, you would have how much after paying for insurance and taxes? Would you have more or less $ left over if you paid for the policy directly? (ii) Consider the following claim about tax incidence. Is it true or false? The deadweight loss of a tax will be larger if the elasticity of demand is larger, all else equal