The Cost of Group Health Insurance Is Lower Than If

question 151

Multiple Choice

The cost of group health insurance is lower than if an individual buys a policy on his own because

• A)the problem of adverse selection is reduced.
• B)moral hazard costs of a group tend to move to a low average.
• C)it is easier for the company to deny claims from a large group.
• D)insuring a group eliminates the problem of buyers having more information than the seller.

Differentiate between exoskeleton and endoskeleton structures in animals.

Illustrate the evolutionary relationships among major groups of vertebrates including fishes, amphibians, reptiles, birds, and mammals.

Compare and contrast the physiological and morphological adaptations of amphibians and reptiles.

Describe the emergence and significance of neural crest cells in vertebrate development.

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Definitions:

Overseas Production

The manufacturing of goods in a country different from where the products are sold, often to take advantage of lower labor costs or other economic conditions.