A framework, not a prescription
The report presents the four trade-offs as interconnected and sequential rather than independent, arguing that no single solution can satisfy all stakeholders or resolve both sides of any one trade-off at once. Decisions in one area, it says, carry consequences for the others, so stakeholders must weigh what is sacrificed and what is gained at each step. Rather than recommend a model, the report offers the trade-offs as a framework for collaboration among insurers, government, and consumers, and identifies risk reduction as the priority for further research – the entry point, the authors argue, on which the long-term viability of both public and private provision ultimately rests.