The Market for Lemons cars, the dearth of formal credit markets in developing countries, and the difficulties that the elderly encounter in buying health insurance. However, not all players in a given market will follow the same rules or have the same aptitude of assessing quality. So there will always be a distinct advantage for some vendors to offer low-quality goods to the less-informed segment of a market that, on the whole, appears to be of reasonable quality and have reasonable guarantees of certainty. This is part of the basis for the idiom buyer beware. This is likely the basis for the idiom that
Steve Buyer is broken with the current health care system and keep what is working and leave alone what Americans like about their health care and insurance, "So, when we talk about health care reform, we want to preserve that which is right, and we want to work on that which is wrong. When my Democrat colleagues of the leadership talk about health care reform, it's about a government-run, socialized health system. Let's reject that and let's work together." When Buyer first ran for Congress, in 1992, he faced three-term Democratic incumbent Jim Jontz in what was then the 5th District, comprising