1. When setting the premiums, insurance companies want to make sure that which of the following items will be paid for by the premiums? (select all that apply) a. the projected claims b. some amount for reserves 0. some prot d. the insurance company's administrative expenses 2. Which of the following is/are factors an insurance company typically uses in manual rating? (select all that apply) a. geography gender age income average employee weight 99.0.6 3. how many full time employees (plus full-time equivalent employees) must an employer have to be subject to the Affordable care act employer mandate? a. 100 b. 40 c. 50 d. 30 4. The North Carolina state plan we reviewed in class had a tobacco cessation plan. it requires that employees represent that they are not tobacco users or attend a tobacco cessation class. please select all of the following that are true of this program. a. the HIPAA/ACA wellness rules apply b. there is no reasonable alternative standard offered under the program c. this is an outcomes-based program d. this program could have an incentive of up to 50% of the cost of employee- only coverage 5. HIPAA's privacy and security rules Apply to which of the following individuals or entities (select all that apply) a. employers b. group health plans c. business associates d. health care providers e. anyone who receives health information f. restaurants, retailers, and similar businesses that ask for COVID vaccine information g. health care clearinghouses h. health care policy makers 6. select the statement that best describes the result tif the beneficiary of a life insurance policy murders the insured or, altenatively, dies at the same time as the insured in a car accident. a. in both cases, the beneficiary's estate will receive the life insurance benefits b. in the murder scenario, the beneficiary is treated as dying befor the insured, but in the car accident scenario the benefits go to the beneficiary's estate. c. In the nurder scenario, the benefits go to the beneficiary's estate, but in the car accident scenario the beneficiary is treated as dying before the insured. d. In both cases, the beneficiary is treated as dying before the insured