For each of the following scenarios, identify how it will likely reduce or increase the problems associated with adverse selection of buyers.

a. Advances in technology make it less expensive for people to take a DNA test that provides them—but not their health insurer—with information about their risk of developing various diseases.

b. The government mandates that all drivers must purchase auto insurance.

c. Google decides to offer multiple health care plans to its employees. One plan offers a high deductible, but a low monthly premium. The other plan offers a low deductible, but a high monthly premium.