Zarek Brot-Goldberg is an Assistant Professor at the Harris School of Public Policy at the University of Chicago. His work is concerned with market structure, organizational structure, and regulatory design in the U.S. health care sector. In prior and ongoing research, he has studied the efficiency of high-deductible health plans in reducing health care spending; the effects of vertical integration in physician markets on patient referral patterns; the extent of ‘mistakes’ in insurance choice in...