State Insurance Regulation and Employers' Decisions to Self-Insure Author(s): Gail A. Jensen, Kevin D. Cotter and Michael A. Morrisey Reviewed work(s): Source: The Journal of Risk and Insurance, Vol. 62, No. 2 (Jun., 1995), pp. 185-213 Published by: American Risk and Insurance Association Stable URL: http://www.jstor.org/stable/253787 . Accessed: 23/11/2012 17:20 Your use of the JSTOR archive indicates your acceptance of the Terms & Conditions of Use, available at . http://www.jstor.org/page/info/about/policies/terms.jsp . JSTOR is a not-for-profit service that helps scholars, researchers, and students discover, use, and build upon a wide range of content in a trusted digital archive. We use information technology and tools to increase productivity and facilitate new forms of scholarship. For more information about JSTOR, please contact support@jstor.org. . American Risk and Insurance Association is collaborating with JSTOR to digitize, preserve and extend access to The Journal of Risk and Insurance. http://www.jstor.org This content downloaded by the authorized user from 192.168.82.205 on Fri, 23 Nov 2012 17:20:50 PM All use subject to JSTOR Terms and Conditions