Robuta

https://www.kff.org/health-costs/consumer-assets-and-patient-cost-sharing/
Higher cost sharing in private insurance has been credited with helping to slow the growth of health care costs in recent years. For families with low incomes...
patient cost sharingconsumerassetskff
https://www.aeaweb.org/articles?id=10.1257/aer.100.1.193
Patient Cost-Sharing and Hospitalization Offsets in the Elderly by Amitabh Chandra, Jonathan Gruber and Robin McKnight. Published in volume 100, issue 1, pages...
patient cost sharinghospitalizationoffsetselderlyamerican