title: Commentary--Current MSA theory: well-meaning but futile.
authors.affiliation: Kaiser Foundation Health Care, Inc.
authors.forename: George C
authors.initials: GC
authors.lastname: Halvorson
mesh_terms: D003258:Consumer Behavior; D017046:Cost Savings; D003669:Deductibles and Coinsurance; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000458:organization & administration*; D006297:Health Services Accessibility; D006301:Health Services Needs and Demand; D006801:Humans; D015273:Insurance Selection Bias; D008329:Managed Care Programs / Q000191:economics / Q000706:statistics & numerical data*; D020402:Medical Savings Accounts / Q000191:economics / Q000706:statistics & numerical data*; D014481:United States