The article discusses why the government might give money to people to help them pay for private health insurance. The researchers looked at whether this helps free up public health resources for those who can't afford private insurance. After studying the situation, they found that giving money for private insurance isn't the best way to save public funds. In fact, they suggest that taxing private insurance might be better. However, in the long term, the subsidy could work better. They also mention other reasons why governments might want to give money for private insurance.