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On left, a photo of Amy Finkelstein, arms crossed, with wooden door in background. On right, the red cover says, “Risky Business: Why Insurance Markets Fail and What to do About it,” by authors Liran Einav, Amy Finkelstein, and Ray Fisman.

Unnatural selection

In a new book, “Risky Business,” Amy Finkelstein examines the core issue of the insurance industry: Who gets to be a customer?

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