l. [20 points] Read this article by John Hyman \" s 'Moral Hazard' Inefficient? The Policy: Implications ofA New Theory,\" published in Health Affairs. Does insurance necessarily lead to a welfare less in the market for health care? Your answer should be concise and not longer than a page {single space, 12point font}. You can access the article through the above hyperlink or the reading list section {Health Insurance section) on UR Courses. You*ll have to use your U of R login information in both instances