Which of the Following Reforms Could Help to Improve the Operation

Multiple Choice

Which of the following reforms could help to improve the operation and efficiency of health-care markets?

A) equalizing the tax treatment of out-of-pocket medical expenses and the direct purchase of health insurance with that of health insurance purchased through an employer
B) encouraging consumer use of health savings accounts and the direct payment of medical bills from the accounts
C) encouraging the purchase of catastrophic health insurance and discouraging the purchase of policies with first-dollar coverage and small co-payments
D) All of the reforms listed above could help to improve the situation.