“…Also, physicians have strong incentives for greater volumes of care -to increase their own earnings, to decrease their own medical uncertainty, and to avoid making a mistake. Indeed, physicians are far more likely to order interventions that financially benefit them personally, [13][14][15][16][17] and acknowledge sometimes ordering medically unnecessary tests and treatments, because of malpractice concerns or the fear of being blamed if something goes wrong. 18,19 Cost-sharing is also patently unjust, as it hits hardest the pocketbooks of the poor and older adults.…”