In 1963 and later papers, I pointed out that the special market ch

In 1963 and later papers, I pointed out that the special market characteristics of medical care and medical insurance could be explained by reference to differences in information among the parties involved. – Kenneth Joseph Arrow

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The sort of thinking at the time was, Well, were giving you access to medical care which you wouldnt otherwise be able to get, so your payment is that we get to use you in research. – Rebecca Skloot

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