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In an open access physician practice, patients do not need:
Risk-averse
The tendency of individuals to prefer certainty over uncertainty, valuing predictable outcomes over those that are uncertain.
Auto Insurance
A policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident, covering liabilities such as injury and property damage.
Expected Utility
The anticipated satisfaction or benefit received from an outcome, weighted by the probability of different outcomes occurring.
Risk-averse
The preference to avoid risks, favoring safer outcomes over potentially higher but uncertain returns.
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