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A  lot of the claims about the problems with health care from the free-market worshippers are based on the “moral hazard” doctrine, that people will receive all kinds of health care they don’t need if  they aren’t forced to pay for it–sort of a polite way of saving that the people are the problem, not the for-profit insurance industry.

It’s worth going back and reading Malcolm Gladwell’s take [1] on the moral hazard doctrine in the New Yorker a few years ago. It is more relevant than ever in the current debate.