And... Absolutely - you're essentially referring to the problem of adverse selection.

而且......绝对 - 你本质上是指逆向选择的问题。

One famous example of adverse selection has to do with health insurance.

逆向选择的一个著名例子与健康保险有关。

Yeah, adverse selection was a huge topic of debate when Congress was passing the Affordable Care Act.

是的，当国会通过《平价医疗法案》时，逆向选择是一个巨大的争论话题。