It seems that every day the news is filled with heated debate and muddled conversation regarding the ongoing issues surrounding health care policy in the United States. Politicians, economists, and even large percentages of the general public are weighing in on the topic, and the dialogue surrounding health care seems to grow louder with each passing day.

Health care policy is so widely debated because not only is it one of the more complex and intricate market economies in this country, but it also affects such a wide array of people. A recent article in The New York Times aims to help clarify many of the more confusing elements of the current health care system in the United States. The author explains the intricacies of “externalities,” deconstructs the negative consequences of adverse selection, explores the factors that lead customers to over-consume health care products, and much more. Ultimately, this article serves as a great tool in helping to understand the perplexing and decisive market of health care.