adverse selection alcohol american academy of actuaries australian labor party beveridge bureau of labor statistics canada health act capitated reimbursement coinsurance copayment deductible dentistry digital object identifier disability insurance economic capital equalization pool fee-for-service formulary hcf health insurance hard and soft drugs health health care health care in the netherlands health care in the united states health care politics health economics health insurance in the united states health maintenance organization healthcare reform history of insurance hospital indian health service injury cover insurance insurance contract john howard junk food kevin rudd long-term care long term care insurance managed care medibank private medicaid medical underwriting moral hazard national health service non-profit organization ophthalmology out-of-pocket expenses peter chamberlen physicians for a national health program point of service plan preferred provider organization primary care public health registered nurse right to life risk equalization risk pool self-funded health care social health insurance social insurance social security society of actuaries spinal manipulation tricare tobacco smoking united states census bureau veterans health administration world health organization