Sure. At the margins, people make adverse health care decisions when they have no money, even if they're insured. Call it the flip side of moral hazard: co-pays

Sure. At the margins, people make adverse health care decisions when they have no money, even if they're insured. Call it the flip side of moral hazard: co-pays, co-insurance, multiple deductibles, and all the other methods insurance companies have invented to be sure everybody has "skin in the game" and ensure economically rational decisions. I have "good" health insurance, yet I'd have to pay a $150 "advanced imaging fee" for any X-ray (and, I believe, $1500 for a CT or MRI). What's the economically rational decision when you badly twist an ankle and ought to have it examined, but you expected to use that $150 for groceries?