Health Insurance Protections and Ex Ante Moral Hazard in Risky Health Behaviors
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With the goal of lowering incentives for alcohol and substance abuse, U.S. states have historically permitted private health insurers to deny reimbursement of medical claims stemming from alcohol or opioid impairment. However, a potential unintended consequence of such exclusion provisions is that
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美国国家经济研究局创建时间：
2025-06-01
