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Potential Impacts of Adverse Selection on Health Insurance Costs in Consumer Choice Models
Henry J. Kaiser Family Foundation 
Nov. 10, 2006
Excerpt: [E]ven a small shift in enrollment among enrollees who end up with high health expenses can have a meaningful impact on plan costs. Additional research will be needed to determine whether there is a health difference between people who enroll in new consumer directed health plans and those who choose more comprehensive plans and, if so, how that difference affects plan costs.
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