«Stated differently, there are many academics who would say that buying individual stocks leads to people taking «
uncompensated risks», meaning they could likely get a similar return with a lot less volatility if they just diversified
more — both within and throughout asset classes.»
Cost Shift: In health care, cost shift refers to two related phenomena — doctors and hospitals charging patients with health insurance to pay for
uncompensated care provided to those without coverage, and providers charging those with private coverage
more to pay for below ‐ cost reimbursement by government programs.