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Have I read any of these research? In truth, I’ve learn solely considered one of them – a 1998 examine of some authorities and university workers , also by Cutler and Zeckhauser. They document a market breakdown – the disappearance of high-coverage health plans. They usually current proof that this breakdown was because of the so-called “adverse selection demise spiral”, by which healthy people leave excessive-protection plans until the plans can not be supplied. They usually present that an identical thing was starting to happen to the Group Insurance coverage Fee of Massachussetts, earlier than main reforms were made to the system that prevented the demise spiral.
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