James R. Garven

1 INTRODUCTION Standard economic theory predicts that risk-averse individuals will purchase health insurance when it is offered on actuarially fair or subsidized terms (Mossin, 1968). Yet, despite massive direct public subsidies, mandates, and implicit tax-advantaged employer cross-subsidies (Frean et al., 2017), health insurance nonparticipation remains a persistent market puzzle (Gruber, 2008; Jaspersen, 2022).

1 INTRODUCTION The issues of race and diversity on campus have been central educational research and policy concerns of universities for decades (Dee, 2005; Hurtado et al., 1998). Equal employment opportunity (EEO) efforts and multicultural departments have been a staple of the workplace since the passage of the Civil Rights Act, Title VII in 1964, and the Americans with Disabilities Act in 1990.

ORIGINAL ARTICLE David L. Dicks, David L. Dicks Department of Finance, Insurance & Real Estate, Hankamer School of Business, Baylor University, Waco, Texas, USA Search for more papers by this author James R. Garven, Corresponding Author James R. Garven James_Garven@baylor.edu Department of Finance, Insurance & Real Estate, Hankamer School of Business, Baylor University, Waco, Texas, USA Correspondence James R. Garven, Frank S.