Introduction In the complex domain of health insurance, adverse selection persistently surfaces as a critical issue, influencing pricing and product allocation among consumers. The research paper, “The Incidence of Adverse Selection: Theory and Evidence from Health Insurance Choices,” authored by Michael Geruso, Timothy Layton, and Adam Leive, meticulously explores the multifaceted implications of adverse selection, particularly its impact on pricing and product allocation among consumers, and its distributional consequences.