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13. Which of the following in NOT purpose of deductibles and copayments in a health insurance policy? Assume the health insurance market is competitive. a.

13. Which of the following in NOT purpose of deductibles and copayments in a health insurance policy? Assume the health insurance market is competitive.

a. To reduce morale hazard.

b. To reduce the overhead costs associated with frequent visits to the doctor.

c. to increase insurance company profits with no other positive economic effect

d. to reduce the premium.

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