Your task is to find examples from news articles, blogs, or other current media that illustrate the concepts of:

1) Moral hazard with health insurance

2) Adverse selection with health insurance

3) Behavioral hazard with health insurance.

What I am looking for are sources that report some event or circumstance. (For example, a report about a particular insurer and issues with their beneficiaries, or a report about consumers and their response to or use of a particular insurance plan.) You will not make much if any headway on this assignment by doing a Google search for moral hazard or the other terms. Doing so will largely result in hits for published academic articles. Those are not the appropriate response for the assignment. Neither are YouTube videos or other media that are explanatory of the concepts but do not give specific examples of their application. Blogs may be appropriate, but not if they are simply opinion pieces and are not commenting upon some event or circumstance (the best approach would be to cite the original source). Sources that are considered "current" for this assignment can go back as far as 2-3 years, if they are particularly illustrative of the concepts. In other words, clear examples are preferred over the most recent examples

In short, please provide links to an article that exemplifies the three concepts above (one article for each concept). They can only be 2-3 years old. Thank you!