Access to more medical care did not cause the more heavily insured group to invest more in their health.

FORBES: Oregon Health Experiment Shows That Having Health Insurance Is Different Than Being Healthy

In cases where the group is self-insured, a third party would provide the coverage.

BBC: White House unveils new contraception opt-out

"They historically have been the least-insured age group in the U.S., most physicians are less suspicious of cancer in healthy young adults, and many of these patients -- once diagnosed -- may still feel invincible and be in denial, leading to less compliance with their treatments, " he said.

CNN: Pairing 'angels' with cancer patients

That second group is you and me and we were insured.

FORBES: What Caused The Great Financial Crash: Gary Gorton Is Right

More people are left only with self-insured as an option and it too will be price at the higher not group rate.

FORBES: Papa John's, Applebee's And Others Pay Huge Price For Anti-Obamacare Politicking

For small businesses, being self-insured would let them avoid new requirements under the law that call for traditional small group plans to include richer benefits, such as mental-health and maternity care.

WSJ: One Strategy for Health-Law Costs: Self Insure

Yet, the terms of the euro group are so harsh, that the government of Cyprus could not raise the money without some haircut on the insured deposits.

CNN: EU bailouts: A vehicle to kick the weak?

But in the commercially insured population, the program led to a net medical cost decrease of 22% compared to a control group not using the care-management services.

WSJ: New Efforts to Simplify End-of-Life-Care Wishes