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Is the moral hazard loss due to health insurance greater for hospital care than ambulatory care? Based upon microeconomic theory, would you charge more coinsurance

  1. Is the moral hazard loss due to health insurance greater for hospital care than ambulatory care?
  2. Based upon microeconomic theory, would you charge more coinsurance for hospital care or ambulatory care?
  3. Generally, is the income elasticity of the demand for health insurance elastic or inelastic?

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