This may in turn spur expenditure growth and prices, excluding more vulnerable groups. Indeed, the joint reimbursements by statutory and complementary insurance plans for the same basket of medical goods limit incentives for more efficient health-care spending, as households cannot easily distinguish reimbursement rates and as some complementary contracts also cover all forms of co-payment (Table 2). Better coverage by complementary insurance plans appears to have increased demand for high-fee specialists (Dormont and Peron, 2016).