10-12 answer and explanation of why! Thank you!

d. All three refer to moral hazard. 10. If the probability of the insurable event is 0.2, and the insurer's loading costs are 12% of the policy value, then in a competitive insurance market, each dollar of insurance will cost: a. $0.10. b. $0.20. c. $0.26. d. $0.32. 11. In the figure below, suppose that Qo = 10 visits, Q1 = 20 visits, Po = 10, and P, = 2. The increased expenditures due to insurance are: Demand Demand 100% 20% Price coinsurance coinsurance B Po C PI Quantity Qo Q1 $50. $100. poop $200. $300. Seattle Pacific University ECN 4010 - Health Economics PROBLEM SET 4 12. In the figure above, the consumer's increased benefits (area under the demand curve) are: a. $120. b. $90. C. $60. d. $30