Why Our Insurance Systems Doesn't Work
                                
                                
                                    (Newser) -
                                    Malcolm Gladwell, author of The Tipping Point and Blink, examines the premise underlying U.S. health insurance known by the Dickensian term: Moral Hazard.  The theory of Moral Hazard describes the notion that insurance can change peoples’ behavior.  Without deductibles, co-payments and other barriers to use, people will use too...