https://www.nber.org/system/files/working_papers/w27488/w27488.pdf
https://www.nuffieldtrust.org.uk/news-item/how-has-the-role-of-the-private-sector-changed-in-uk-health-care
https://www.southcentre.int/wp-content/uploads/2022/09/SV240_220826.pdf
https://www.latimes.com/california/newsletter/2023-09-07/as-climate-change-challenges-home-insurers-an-uninsurable-future-looms-essential-california