  Consider next Ronald Dworkin’s ‘equality of resources’ view (Dworkin 1981). This might appear to give more scope to needs than Rawls’s theory by virtue of the fact that it regards personal capacities and incapacities as among the resources that a theory of justice must take into account. Thus insofar as need can be represented as an internal resource deficiency, we might expect Dworkin to count it as a feature that may entitle its bearer to receive additional resources by way of compensation. And he does indeed devote some attention both to the issue of people with handicaps and to the issue of health care in Dworkin 2000 (especially chs 2 and 8). He tackles this problem through the device of hypothetical insurance: to illustrate this in the case of medical needs, in order to decide what provision a state should make for health care—how much it should spend and what priorities it should adopt when resources are scarce—we should ask what health care insurance people would buy in advance if they did not know what their own medical needs would turn out to be. Since this is likely to vary from one person to the next, depending on how averse they are to particular risks, Dworkin has to stipulate that what justice requires the state to provide is the level of coverage that most people would choose to buy under these conditions. In reaching a decision, people would be expected to trade off buying different levels of insurance against other ways of using their money. So again this is a case in which need considerations get subsumed under a wider principle, in this case compensating people for disadvantages which they would have insured against suffering in advance. Need claims aren’t allowed to have independent force. Dworkin’s answer to the question ‘is satisfying this particular need a matter of justice?’ is ‘it depends on whether people generally would have chosen to purchase insurance against the chance of having it’. The same principle is applied to other misfortunes, such as the chance of becoming unemployed.