How are insurance plans (including government payers) impacted by the decisions that patients and their doctors make? Consider supply and demand concepts when formulating a response.
The amount and type of medical consumption anticipated by patients and doctors plays an important role in influencing the type of insurance cover they select.Doctors usually recommend to their patients the need to have insurance cover for certain medical needs that they are likely to address in the near future. Dusansky and Koc (2006) emphasize that the health insurance choice is determined by the specific expected utilization while the utilization is determined by the chosen health insurance. This interdependence means that insurance providers have to closely monitor the changing trends in the anticipated health needs of patients and create insurance plans that match the demand created by the changing needs.

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