Yet private markets for health insurance, left to their own devices, work very badly: insurers deny as many claims as possible, and they also try to avoid covering people who are likely to need care.

• 然而医疗保健市场如果任其按照自己规格运作，这运作效果极差：保险公司尽可能多地拒绝索赔，同时设法拒绝为可能真正需要医疗服务的提供保险。