8 Indicate whether each of the following would, for health insurance companies,

(1) increase adverse selection, (2) decrease adverse selection, or (3) have no effect on adverse selection:

A. Smokers become especially willing to buy health insurance because they rationally fear their habit may cause cancer.

B. Cell phone users become especially willing to buy health insurance because they irrationally fear that cell phone radiation causes cancer.

C. People who are very careless about their health decide not to buy health insurance because they irrationally assume they will never get sick.

D. Rich people become especially willing to buy health insurance.

E. For some inexplicable reason, blonds become very reluctant to buy health insurance.
F. Massachusetts forces all its citizens to buy health insurance.
G. California forces health insurance companies to pay the full cost of sex change operations for all insurance company customers who get this procedure.
H. North Carolina forbids health insurance companies from charging higher prices to smokers.
I. Florida forces health insurance companies to charge their lowest rates to senior citizens.
J. Nevada forces health insurance companies to offer discounts to heavy gamblers.