Table 1.

Benefits and Costs in Silver and Gold Plans at Efficient Levels of Care

Silver Plan
	Healthy		Sick
	Benefit	Cost	Benefit	Cost
Poor	2	1	8	4
Rich	3	1	12	4
Gold Plan
	Healthy		Sick
	Benefit	Cost	Benefit	Cost
Poor	3	2.25	12	9
Rich	4.5	2.25	18	9

Table assumes utility is for type i; j, $v_{ij}={\gamma }_{ij}{(x_{ij})}^{\frac{1}{2}}$, with γ_hp = 2, γ_hr = 3, γ_sp = 4, and γ_sr = 6.