• Raymond Kluender


April 2024, Paper: "We are grateful to seminar and conference participants at Harvard Business School, Northwestern Kellogg Strategy, University of Chicago Health, Stanford Institute for Economic Policy Research, University of Duisburg-Essen, University of Wisconsin–Madison, Chicago Booth Finance, Waseda University, NBER Economics of Health, NBER Household Finance, the AEA Health Economics Research Organization Session, and BYU Finance for helpful comments. We thank Constantine Yannelis and Tal Gross for thoughtful discussions of the paper and Will Dobbie, Zack Cooper, Amy Finkelstein, Paul Goldsmith-Pinkham, and Matt Notowidigdo for thoughtful comments. The experiments reported in this study are listed in the AEA RCT Registry (#0003332, #0003664, and #0007426) and were approved by Stanford IRB (#57138). We gratefully acknowledge J-PAL North America, the National Institutes of Health (R01 AG066890-01A1), and the National Institute on Aging (T32-AG000186) for financial support and RIP Medical Debt for their partnership on the study. We thank Julie Gasparac, Laurie Imhof, and Nithya Rajendran at NORC at the University of Chicago for survey implementation, and Jinglin Wang, Bruno Mauricio Escobar Izquierdo, Zahra Thabet, and Eleanor Jenke for superb research assistance. Wesley Yin is currently serving in the Office of Management and Budget (OMB), and completed the work on this article prior to joining OMB. The views expressed in this article are those of the authors themselves, and do not necessarily represent the view of the United States or OMB. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research."