Table 1.

Examples of Agents and Their Behaviors

Agent 1 (Sends Message)	Behavior(s) Described in Message	Agent 2 (Receives Message)
Person/family/tax unit	Buying one of the ESI plans offered	Firm
	Complying with individual mandate; enrolling in public program	Government
	Buying an individual plan; buying into purchasing pool	Insurer
Firm	Offering several choices of ESI plans; setting employee premium contribution (single and family)	Person
	Complies or not with pay or play mandate	Government
	Buys group coverage for workers	Insurer
Insurer	Quoting nongroup premium price	Person
	Complying with limit on medical-loss ratios; quoting premiums for purchasing pools	Government
	Quoting group premium price	Firm

Note. The table should be read in the following way: Agent 1 (person) sends a message that he/she will or will not buy a plan offered by the employer; the message is received by Agent 2 (the firm).