demand for medical care. It considers the insurance demand of different types of agents: naive individuals, individuals who … are able to commit to medical care demand and sophisticated individuals. Furthermore, it raises the question of whether …

We consider physicians with fixed capacity levels. If a physician's capacity exceeds demand, she may have an incentive … to overtreat, i.e., she may provide unnecessary treatments to use up idle capacity. By contrast, with excess demand she … ; incentives ; medical doctors ; demand inducement ; insurance …