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Do people really overuse healthcare when it's free?
Do people really overuse healthcare when it's free?

Call it the "skin-in-the-game" argument: the notion that people will use medical care more sparingly -- and presumably more prudently -- if they have to pay a larger share of the costs out of their own pockets.  This is the idea behind health insurance deductibles and co-pays. It's the bedrock concept of the "consumer-driven healthcare" model, which has been smiled on by conservatives in Congress who cited it in the creation of health savings accounts. The way it's supposed to work is that by combining these tax-advantaged accounts with high-deductible "catastrophic" health plans, you've given people a powerful incentive to shop around...

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