The Impact of Health Insurance in Low- And Middle-Income CountriesOver the past twenty years, many low and middle income countries have experimented with health insurance options. While their plans have varied widely in scale and ambition, their goals are the same: to make health services more affordable through the use of public subsidies while also moving care providers partially or fully into competitive markets. Colombia embarked in 1993 on a fifteen year effort to cover its entire population with insurance, in