如果市场与他们逆向而行，发行人就会借入更多资金而卖出更多安全保证。
If the markets move against them, the issuer borrows more money to sell more insurance.
逆向选择，是一种信息不对称性在其中导致了负面结果的市场过程。
Adverse selection is a market process where information asymmetry causes negative results.
由于信息贫乏，再加上健康保险出现的逆向选择和道德风险问题，保健市场可能是无效率的。
Health markets may be inefficient because of poor information, and because of the adverse selection and moral hazard problems associated with health insurance.
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