Victoria Marone

I am an Assistant Professor in the Economics Department at Yale University and a Faculty Research Fellow at the National Bureau of Economic Research. I was previously an Assistant Professor at the University of Texas at Austin.

My research studies the organization and regulation of health insurance and healthcare industries. I am particularly interested in the interaction between universal healthcare systems and coexisting private healthcare and health insurance markets. I am also interested in public economics, welfare economics, public finance, and social insurance broadly.

87 Trumbull St, Office B234
New Haven, CT 06511

Email : victoria.marone [at] yale.edu

View my CV : here  |  Google Scholar profile : here

I am married to Marius Ring, also an economist.

Peer-Reviewed Publications

Designing Dynamic Reassignment Mechanisms: Evidence from GP Allocation with Ingrid Huitfeldt and Daniel Waldinger. August 2026. American Economic Review, 116 (8): 3036-3075. [Online Appendix] [Replication Materials]

When Should There be Vertical Choice in Health Insurance Markets? with Adrienne Sabety. January 2022. American Economic Review, 112 (1): 304-42. [Online Appendix] [Replication Materials] [Microeconomic Insights]

Regulating Markups in U.S. Health Insurance with Steve Cicala and Ethan Lieber. American Economic Journal: Applied Economics, October 2019. [Online Appendix] [Replication Materials]

Narrow Networks on the Health Insurance Marketplaces: Prevalence, Pricing, And The Cost Of Network Breadth with Leemore Dafny, Igal Hendel, and Christopher Ody. Health Affairs, September 2017.

Working Papers

The Risk Protection Value of "Moral Hazard" with Angie Acquatella [July 2026] [NBER Working Paper No. 34156] [Slides]

Multidimensional Screening for Quality with an Application to Health Insurance with Hector Chade, Amanda Starc, and Jeroen Swinkels [June 2026] [NBER Working Paper No. 30542] (Rejected and resubmitted at American Economic Review)

  • Previously “Multidimensional Screening and Menu Design in Health Insurance Markets.”

The Distributional Effects of Cost-Sharing in a Universal Healthcare System with Simon Bensnes and Ingrid Huitfeldt [December 2025] [NBER Working Paper No. 34700]

Other Publications

All Medicaid Expansions Are Not Created Equal: The Geography and Targeting of the Affordable Care Act with Craig Garthwaite, John Graves, Tal Gross, Zeynal Karaca, and Matthew Notowidigdo. Brookings Institution, September 2019. [Online Appendix]

Oscar Health Insurance: What Lies Ahead for a Unicorn Insurance Entrant? with Leemore Dafny. Harvard Business School Case 319-025, August 2018 (Revised August 2019).

Selected Work in Progress

The Redistributive Value of Behavioral Responses to Income Taxation with Angie Acquatella

Employer-Sponsored Health Insurance within Universal Healthcare Systems

Capacity and Waitlist Design for Non-Urgent Healthcare Services with Ingrid Huitfeldt and Daniel Waldinger

Health Insurance for Healthcare Amenities with Ingrid Huitfeldt

Abstract: We consider a model of a health insurance market in which sick consumers face a choice of healthcare amenity level. A minimum amenity level is available at no out-of-pocket cost (under some universal, base level of insurance coverage), but consumer heterogeneity drives demand for higher amenity levels. We study two central policy questions related to the design of "top-up" insurance markets: (i) at what level to set the universally-available minimum amenity level, and (ii) whether consumers should retain the monetary value of this benefit if they choose a higher amenity level. We estimate the model in the context of the Norwegian market for Assisted Reproductive Technology (ART).

Teaching

Health Economics: Spring 2022–Spring 2026 (undergraduate)