In Dworkin's later writings on distributive justice, hypothetical insurance assumes a more prominent role than in his 1981 essays. Dworkin had written that although the hypothetical ideal auction and insurance markets for talent and handicap cannot be implemented, we ought to set in place institutional arrangements that will mimic as closely as possible the results we calculate these ideal mechanisms would deliver. Later, a somewhat different thought becomes central. This is the idea that what we owe to one another by way of health care policy, unemployment compensation, other welfare state arrangements, and inheritance tax and transfer schemes is set by what level of insurance coverage in each of these policy domains the average member of the community would take under full knowledge of actual and expected circumstances modified by a veil of ignorance adjusted to be fair for each particular policy domain. To yield just outcomes, these imaginary insurance decisions should be made against the backdrop of a fair framework for interaction including a free market economy based on private ownership of resources with appropriate contract law and tort law and regulation of externalities. To appreciate the flavor of these proposals, notice that the level of health care coverage the average member of the community would purchase under the hypothetical conditions would vary depending on what afflictions one might suffer, what medical care can do to prevent or alleviate such conditions with expected available medical technology, and what else one might do, and with what personal benefit, with the money one is imagining having available to spend on one's health insurance. The hunch that lies behind Dworkin's idea of justice as fair insurance is that the various factors that would affect the hypothetical insurance choices people would make are factors relevant to the determination of what we owe one another by way of fair shares and that the hypothetical insurance construction accurately registers the determining weight they should have.