12. To prevent adverse selection, health and life insurance companies Question 12 options: a) charge the same premiums to all policyholders. b) require potential policyholders to submit medical...

a)

charge the same premiums to all policyholders.

b)

require potential policyholders to submit medical records or submit to an   examination, and may refuse to sell policies to people with certain pre-existing health conditions.

c)

charge lower premiums to policyholders with a higher risk of filing claims.

d)

always charge the same premiums to people regardless of certain pre-existing conditions.