The use of deductibles and coinsurance are examples of attempts by insurance companies to deal with the problem of

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Deductibles and coinsurance are both types of cost-sharing measures that require policyholders to have some skin in the game when it comes to their healthcare expenses. By requiring policyholders to pay a portion of the cost of their medical care, it encourages them to make more informed decisions about whether or not to seek treatment. This helps to reduce the problem of moral hazard, which is when policyholders overuse healthcare services because they know they won't bear the full cost of their care.

The Use of Deductibles and Coinsurance Are Examples of Attempts