THE MORAL-HAZARD MYTH: The bad idea behind our failed health-care system.

By Malcolm Gladwell in New Yorker

The U. S. health-care system, according to “Uninsured in America,” has created a group of people who increasingly look different from others and suffer in ways that others do not. The leading cause of personal bankruptcy in the United States is unpaid medical bills. Half of the uninsured owe money to hospitals, and a third are being pursued by collection agencies.

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