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Raymond P. Kluender

Raymond P. Kluender

Assistant Professor of Business Administration

Assistant Professor of Business Administration

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Ray Kluender is an assistant professor in the Entrepreneurial Management Unit, teaching The Entrepreneurial Manager to first-year MBA students.

He studies the causes of financial distress among American households and how government, private insurance, and credit markets should function to insure those risks. His recent projects have focused on improving our understanding of the economic consequences of health care policy, the consumer bankruptcy system, and financial and insurance technology. His research has been published in journals including the American Economic Review, American Economic Journal: Applied Economics, and the New England Journal of Medicine, and received coverage from news outlets including The New York Times, The Associated Press, Newsweek, and The Washington Post. 

Ray earned his Ph.D. in Economics from MIT and served as a Post-Doctoral Fellow in Household Finance at NBER before joining HBS. He has a B.S. from the University of Wisconsin-Madison with degrees in Economics, Mathematics, and Political Science.

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Entrepreneurial Management
+1 (617) 384-0077
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Raymond P. Kluender
Unit
Entrepreneurial Management
Contact Information
(617) 384-0077
Send Email
Publications

Journal Articles
Journal Articles

  • Kluender, Ray, Carlos Dobkin, Amy Finkelstein, and Matthew Notowidigdo. "Myth and Measurement—The Case of Medical Bankruptcies." New England Journal of Medicine 378, no. 12 (March 22, 2018): 1076–1078. View Details
  • Einav, Liran, Amy Finkelstein, Ray Kluender, and Paul Schrimpf. "Beyond Statistics: The Economic Content of Risk Scores." American Economic Journal: Applied Economics 8, no. 2 (April 2016): 195–224. View Details
  • Dobkin, Carlos, Amy Finkelstein, Ray Kluender, and Matthew Notowidigdo. "The Economic Consequences of Hospital Admissions." American Economic Review 108, no. 2 (February 2018): 308–352. View Details

Working Papers
Working Papers

  • Wang, Jialan, Jeyul Yang, Benjamin Iverson, and Ray Kluender. "Bankruptcy and the COVID-19 Crisis." Harvard Business School Working Paper, No. 21-041, September 2020. View Details

Business and Opinion Writing
Business and Opinion Writing

  • Kluender, Ray. "The Worst Part About Getting Sick Isn't Medical Bills." Bloomberg Opinion (October 8, 2019). View Details
All Publications

Ray Kluender is an assistant professor in the Entrepreneurial Management Unit, teaching The Entrepreneurial Manager to first-year MBA students.

He studies the causes of financial distress among American households and how government, private insurance, and credit markets should function to insure those risks. His recent projects have focused on improving our understanding of the economic consequences of health care policy, the consumer bankruptcy system, and financial and insurance technology. His research has been published in journals including the American Economic Review, American Economic Journal: Applied Economics, and the New England Journal of Medicine, and received coverage from news outlets including The New York Times, The Associated Press, Newsweek, and The Washington Post. 

Ray earned his Ph.D. in Economics from MIT and served as a Post-Doctoral Fellow in Household Finance at NBER before joining HBS. He has a B.S. from the University of Wisconsin-Madison with degrees in Economics, Mathematics, and Political Science.

Journal Articles
  • Kluender, Ray, Carlos Dobkin, Amy Finkelstein, and Matthew Notowidigdo. "Myth and Measurement—The Case of Medical Bankruptcies." New England Journal of Medicine 378, no. 12 (March 22, 2018): 1076–1078. View Details
  • Einav, Liran, Amy Finkelstein, Ray Kluender, and Paul Schrimpf. "Beyond Statistics: The Economic Content of Risk Scores." American Economic Journal: Applied Economics 8, no. 2 (April 2016): 195–224. View Details
  • Dobkin, Carlos, Amy Finkelstein, Ray Kluender, and Matthew Notowidigdo. "The Economic Consequences of Hospital Admissions." American Economic Review 108, no. 2 (February 2018): 308–352. View Details
Working Papers
  • Wang, Jialan, Jeyul Yang, Benjamin Iverson, and Ray Kluender. "Bankruptcy and the COVID-19 Crisis." Harvard Business School Working Paper, No. 21-041, September 2020. View Details
Business and Opinion Writing
  • Kluender, Ray. "The Worst Part About Getting Sick Isn't Medical Bills." Bloomberg Opinion (October 8, 2019). View Details
Additional Information
  • CV
Areas of Interest
  • bankruptcy
  • consumer finance
  • entrepreneurship
  • healthcare management
  • insurance and reinsurance
  • Additional Topics
  • business and poverty
  • consumer policy
  • digital economy
  • experimental economics
  • government and business
  • healthcare ventures
  • law
  • social entrepreneurship
  • welfare state
In The News

In The News

    • 28 Aug 2019
    • Washington Post

    Sanders’s flawed statistic: 500,000 medical bankruptcies a year

    • 05 Sep 2019
    • Vox

    The problem of medical debt, and the wonky fight behind Bernie Sanders’s plan to eliminate it, explained

Additional Information
CV

Areas of Interest

bankruptcy
consumer finance
entrepreneurship
healthcare management
insurance and reinsurance
 More

Additional Topics

business and poverty
consumer policy
digital economy
experimental economics
government and business
healthcare ventures
law
social entrepreneurship
welfare state
 Less

In The News

    • 28 Aug 2019
    • Washington Post

    Sanders’s flawed statistic: 500,000 medical bankruptcies a year

    • 05 Sep 2019
    • Vox

    The problem of medical debt, and the wonky fight behind Bernie Sanders’s plan to eliminate it, explained

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