Multi-option plans create risk-sharing problems.
D000206:Actuarial Analysis; D006264:Health Benefit Plans, Employee / Q000191:economics*; D006279:Health Maintenance Organizations / Q000191:economics*; D015273:Insurance Selection Bias; D007348:Insurance, Health / Q000191:economics*; D008962:Models, Theoretical; D012307:Risk Factors; D014481:United States