The Adverse Selection Model simulates how uninsured people purchase
individual health insurance from an Exchange. For each time period
of the simulation, it simulates the interrelated behaviors of the
following agents:  uninsured inhabitants of a community (called
“Person” agents in the model), two competing health insurance companies
(Health Insurance Companies A and B), a state-run Exchange (Exchange),
a state insurance commissioner (Premium Rate Limit Agency), a state
risk adjustment agency (Risk Adjustment Agency) which reallocates
premium income among insurance companies to maintain health expenditure
risk equity among them, a federal government penalty tax agency
(Penalty Tax Agency), and two networks of healthcare providers (Provider
Networks A and B), one for each health insurance company.