Theories of adverse selection suggest that those who purchase insurance will be in worse health than those that decline insurance.

By randomizing the insurance premium for the SKY micro-health insurance program in rural Cambodia, allows casual effects of health insurance on economic, health care utilization, and health outcomes to be estimated.

This report describes the strategy that will be implemented in the evaluation of the SKY Micro Health Insurance program in rural Cambodia. This document is an update to the evaluation design presented in the proposal to BASIS dated January 25th, 2007.