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Which of the following refers to the principal - agent problem in the market for health care? A conflict of interest between doctors and health

Which of the following refers to the principal $-$ agent problem in the market for health care?

A conflict of interest between doctors and health insurance companies.

Doctors pursuing only the interests of their patients rather than the interest of society.

Doctors pursuing their own interests rather than the interests of their patients.

Doctors pursuing the interests of health insurance providers rather than the interests of their patients.

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