Under the Small Business Health Options Program (SHOP)provision of the Health

question 21

Multiple Choice

Under the Small Business Health Options Program (SHOP) provision of the health care plan,a small firm's employees would be pooled with the employees of other small firms.When an insurance plan covers a large number of people,

• A) moral hazard is reduced.
• B) adverse selection problems are reduced.
• C) asymmetric information issues are eliminated.
• D) negative externalities become more pronounced.

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Definitions:

Statistical Manual

Refers to a handbook used for diagnosis and classification of mental disorders, for example, the DSM (Diagnostic and Statistical Manual of Mental Disorders).

DSM

The Diagnostic and Statistical Manual of Mental Disorders, a manual published by the American Psychiatric Association that classifies and defines mental disorders.

Bipolar Disorder

A mental health condition characterized by extreme mood swings, including emotional highs (mania or hypomania) and lows (depression).

Big Five Personality

A theory that outlines five broad dimensions of human personality traits: Openness, Conscientiousness, Extraversion, Agreeableness, and Neuroticism.