answer the questions in word 4

1. Cutler, D. & Sarah Reber (1998) Paying for Health Insurance: The Tradeoff Between Competition and Adverse Selection, The Quarterly Journal of Economics, 113(2): 433-466.

2. Zarek Brot-Goldberg et al. (2015) What Does A Deductible Do? The Impact of Cost-sharing on Health Care Prices, Quantities, and Spending Dynamics, NBER Working Paper Series #21632.

-When switching to High Deductible Health Plan, how did the health care utilization change? Did they achieve the goal?

-What’s the problem associated with this experiment?

*Each response should be no longer than one page, singled-spaced, and 12 font. (So like a little over half a page at least)*