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Describes the design of an experiment to test the effects of varying the extensiveness of health insurance benefits. Two thousand families from four sites are selected at random and are assigned to one of sixteen types of insurance plans. The plans vary the fraction of the bill the family must pay from zero to 100 percent. In all plans that require some out-of-pocket payments, such payments are limited to 5 or 15 percent of the family's income. Some plans apply coinsurance only to inpatient services (outpatient services are free), and some participants are to be enrolled in a Health Maintenance Organization.

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