Suppose Gilberto pays a monthly premium for health insurance through his employer. After paying the monthly premium, all subsequent medical costs, such as doctor's visits, would be paid for by the insurance. The cost of a doctor's visit without insurance is $425. Since Gilberto doesn't pay the true cost of a doctor's visit, he is likely to visit the doctor frequently than he would if he didn't have health insurance. 

This issue in the health insurance market is known as?

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