Health Affairs Vol. 23, Issue 6, Pages 107-113 November/December 2004 ÌÇÐÄvlog¹ÙÍø Authors See citation below for complete author information. Joseph Newhouse John D. MacArthur Research Professor of Health Policy and Management Citation Newhouse, Joseph P. "Consumer-Directed Health Plans and the RAND Health Insurance Experiment." Health Affairs 23.6 (November/December 2004): 107-113.