Finally, even if the researcher can correctly determine the
plan’s price, plan features (e.g., deductibles, copayments, provider
networks) can vary extensively and in ways the researcher cannot always observe. Thus, an individual who chooses not to purchase
health insurance at a relatively low price may appear to have low
demand, whereas she may in fact be reacting to the low quality of
the offered plan. Even some employer plans can initially exclude
coverage for a pre - existing condition, so an individual who chooses
not to enroll could be viewed by the researcher as having limited
demand when she in fact could have very high demand for a more
comprehensive insurance plan