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Death Spiral or Euthanasia? the Demise of Generous Group Health Insurance Coverage
National Bureau of Economic Research [NBER] 
May 17, 2004
Excerpt: [P]revious studies which appeared to detect plans in the throes of a death spiral, may instead have been experiencing an inexorable movement away from a non-preferred product, one that would have been inefficient for almost all workers even in the absence of adverse selection.
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