Key findings of the RAND Health Insurance Experiment (HIE) include (choose all that apply):

Reduced use of services due to cost sharing occurred primarily once patients entered the health care system, not because cost sharing discouraged them from entering.

Cost sharing reduced the use of effective and less effective healthcare services.

The poorest and sickest of the participants at the start of the experiment had better outcomes under the free plan for several conditions measured.

In general, the reduction in services induced by cost sharing had no adverse effect on participants' health

Cost sharing did not significantly affect the quality of care received by participants.

Participants in cost-sharing plans worried more about their health.

Cost sharing reduced the use of nearly all health services.

Shouldering more of their own health care costs caused people to decrease risky behaviors.