Opportunism in healthcare is especially perceptible in the health insurance markets. Consider the area where you live, specifically in Indiana and Indianapolis communities.

, make sure to provide citations and references with peer-reviewed articles to support your research; specifically, address the following issues:

1. Evaluate the social-cultural issues influencing adverse selection in insurance markets.

2. Propose some strategies for reducing adverse selection in health insurance within these markets. Develop a microeconomic model that is responsive to your local service demands.

3. Communicate how these issues are relevant to the economics of the more significant U.S. healthcare system. What are the future implications of the Affordable Care Act?