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Why does Richard Thaler in his November 4th NYT article state that people make the wrong choices in buying health insurance? Group of answer choices

Why does Richard Thaler in his November 4th NYT article state that people make the "wrong" choices in buying health insurance? Group of answer choices People are afraid of high deductibles They do not understand the complexity of the policy They just buy the same thing they bought last year without comparing benefits All of the above None of the above

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