Moral hazard: in insurance, the chance that the insured will be more careless and take greater risks because he or she is protected, thus increasing the potential of claims on the provider.

道德风险：保险中指受保人因已投保受到保障而越发粗心，并愿意面对更大的风险，从而增加了向供保方索赔的可能性。

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Look for guarantees that your personal information is protected and that your account is insured;

保证你的个人信息和账户安全都得到保护。

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"Profitability can be as simple as being in a protected market and having lots of privately insured patients, " says Michael Millenson, a consultant with Health Quality Advisors in Highland Park, Ill.

FORBES: OutFront