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What is your sense of moral hazard and the idea that

What is your sense of moral hazard and the idea that sharing the cost of care (insurance deductibles and co-payments) off-sets its impact?

Asked another way, do you believe that insurance leads to excessive use of healthcare services and contributes to the growth of total expenditures for care? How do you support your opinion?

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Basic Computer Science: What is your sense of moral hazard and the idea that

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