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A _______ attempts to remove financial incentives of physicians to overuse by combining the insurer and provider functions of medical care.network model HMOPPOPOSstaff model HMOIPA model HMOAccording to John Nyman, classic economic theory overstates the degree of overconsumption of medical services by only considering ______.inefficient moral hazardpure premiumsrisk-averse consumersefficient moral hazardincome effects
