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    • Faculty Publications  (11)

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    • All HBS Web  (104,724)
      • Faculty Publications  (11)

      Kluender, Raymond P. Remove Kluender, Raymond P. →

      Page 1 of 11 Results
      • March 2022
      • Teaching Note

      Biobot Analytics

      By: Ray Kluender, Joshua Krieger and Mitch Weiss
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      Kluender, Ray, Joshua Krieger, and Mitch Weiss. "Biobot Analytics." Harvard Business School Teaching Note 822-079, March 2022.
      • 2021
      • Working Paper

      The Impact of Financial Assistance Programs on Health Care Utilization

      By: Alyce S. Adams, Raymond Kluender, Neale Mahoney, Jinglin Wang, Francis Wong and Wesley Yin
      Most hospitals and managed care organizations have financial assistance programs that aim to reduce financial burdens and improve health care access for low-income patients. We use administrative data from Kaiser Permanente to study the effects of financial assistance...  View Details
      Keywords: Healthcare; Utilization; Financial Assistance; Health Care and Treatment; Finance; Programs; Outcome or Result
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      Adams, Alyce S., Raymond Kluender, Neale Mahoney, Jinglin Wang, Francis Wong, and Wesley Yin. "The Impact of Financial Assistance Programs on Health Care Utilization." Harvard Business School Working Paper, No. 22-045, September 2021. (NBER Working Paper Series, No. 29227, September 2021.)
      • 2021
      • Working Paper

      Early Withdrawal of Pandemic Unemployment Insurance: Effects on Earnings, Employment and Consumption

      By: Kyle Coombs, Arindrajit Dube, Calvin Jahnke, Raymond Kluender, Suresh Naidu and Michael Stepner
      In June 2021, 22 states ended all supplemental pandemic unemployment insurance (UI) benefits, eliminating benefits entirely for over 2 million workers and reducing benefits by $300 per week for over 1 million workers. Using anonymous bank transaction data and a...  View Details
      Keywords: COVID-19 Pandemic; Unemployment Insurance; Health Pandemics; Insurance; Employment; Financial Condition; Spending
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      Coombs, Kyle, Arindrajit Dube, Calvin Jahnke, Raymond Kluender, Suresh Naidu, and Michael Stepner. "Early Withdrawal of Pandemic Unemployment Insurance: Effects on Earnings, Employment and Consumption." Harvard Business School Working Paper, No. 22-046, August 2021.
      • July 2021
      • Article

      Medical Debt in the U.S., 2009–2020

      By: Ray Kluender, Neale Mahoney, Francis Wong and Wesley Yin
      Importance: Medical debt is an increasing concern in the US, yet there is limited understanding of the amount and distribution of medical debt, and its association with health care policies.

      Objective: To measure the amount of medical debt nationally and by...  View Details
      Keywords: Debt; Borrowing and Debt; Health Care and Treatment; United States
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      Kluender, Ray, Neale Mahoney, Francis Wong, and Wesley Yin. "Medical Debt in the U.S., 2009–2020." JAMA, the Journal of the American Medical Association 326, no. 3 (July 2021): 250–256.
      • Article

      The Economic Consequences of Bankruptcy Reform

      By: Tal Gross, Ray Kluender, Feng Liu, Matthew J. Notowidigdo and Jialan Wang
      A more generous consumer bankruptcy system provides greater insurance against financial risks but may also raise the cost of credit. We study this trade-off using the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), which increased the costs of...  View Details
      Keywords: Bankruptcy; Bankruptcy Abuse Prevention And Consumer Protection Act; Borrowing and Debt; Credit
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      Gross, Tal, Ray Kluender, Feng Liu, Matthew J. Notowidigdo, and Jialan Wang. "The Economic Consequences of Bankruptcy Reform." American Economic Review 111, no. 7 (July 2021): 2309–2341.
      • January 2021 (Revised December 2021)
      • Case

      Biobot Analytics

      By: Raymond Kluender, Joshua Krieger and Mitchell Weiss
      In 2017, Newsha Ghaeli and Mariana Matus were deciding whether to leave their labs at the Massachusetts Institute of Technology, put other job opportunities aside, and dive full-time into founding a wastewater analysis start-up, Biobot. Ghaeli, an architect, and Matus,...  View Details
      Keywords: Entrepreneurship; Information Technology; City; Analytics and Data Science; Personal Development and Career; Technology Industry; Utilities Industry; Health Industry; Information Technology Industry; Information Industry; Biotechnology Industry; United States; Kuwait; Korean Peninsula
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      Kluender, Raymond, Joshua Krieger, and Mitchell Weiss. "Biobot Analytics." Harvard Business School Case 821-045, January 2021. (Revised December 2021.)
      • 2020
      • Working Paper

      Bankruptcy and the COVID-19 Crisis

      By: Jialan Wang, Jeyul Yang, Benjamin Iverson and Ray Kluender
      We examine the impact of the COVID-19 economic crisis on business and consumer bankruptcies in the United States using real-time data on the universe of filings. Historically, bankruptcies have closely tracked the business cycle and contemporaneous unemployment rates....  View Details
      Keywords: Bankruptcy; Financial Distress; COVID-19; Insolvency and Bankruptcy; Financial Crisis; Health Pandemics; United States
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      Wang, Jialan, Jeyul Yang, Benjamin Iverson, and Ray Kluender. "Bankruptcy and the COVID-19 Crisis." Harvard Business School Working Paper, No. 21-041, September 2020.
      • Other Article

      The Worst Part About Getting Sick Isn't Medical Bills

      By: Ray Kluender
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      Kluender, Ray. "The Worst Part About Getting Sick Isn't Medical Bills." Bloomberg Opinion (October 8, 2019).
      • Article

      Myth and Measurement—The Case of Medical Bankruptcies

      By: Ray Kluender, Carlos Dobkin, Amy Finkelstein and Matthew Notowidigdo
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      Kluender, Ray, Carlos Dobkin, Amy Finkelstein, and Matthew Notowidigdo. "Myth and Measurement—The Case of Medical Bankruptcies." New England Journal of Medicine 378, no. 12 (March 22, 2018): 1076–1078.
      • Article

      The Economic Consequences of Hospital Admissions

      By: Carlos Dobkin, Amy Finkelstein, Ray Kluender and Matthew Notowidigdo
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      Dobkin, Carlos, Amy Finkelstein, Ray Kluender, and Matthew Notowidigdo. "The Economic Consequences of Hospital Admissions." American Economic Review 108, no. 2 (February 2018): 308–352.
      • Article

      Beyond Statistics: The Economic Content of Risk Scores

      By: Liran Einav, Amy Finkelstein, Ray Kluender and Paul Schrimpf
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      Einav, Liran, Amy Finkelstein, Ray Kluender, and Paul Schrimpf. "Beyond Statistics: The Economic Content of Risk Scores." American Economic Journal: Applied Economics 8, no. 2 (April 2016): 195–224.
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