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" ... But would payers have any incentive to create such a consortium? Payers would benefit to whatever extent the evidence accumulated through the consortia disproved the benefits of currently covered services. However, any private insurance company joining a consortium would risk facing adverse selection, whereby its willingness to pay for currently uncovered interventions, like prolotherapy for musculoskeletal disorders or bone marrow transplant in sickle-cell disease, would encourage patients with relevant conditions (and accompanying expenses) to selectively enroll in that company’s plans, thereby driving up the price of its premiums relative to competitors. ... "