Exit, voice or loyalty? : an investigation into mandated portability of front-loaded private health plans / Juan Pablo Atal (University of Pennsylvania), Hanming Fang (University of Pennsylvania), Martin Karlsson (CINCH, University of Duisburg-Essen and IZA), Nicolas R. Ziebarth (Cornell University and IZA) ; IZA Institute of Labor Economics. Bonn, Germany : IZA Institute of Labor Economics, June 2017