[16 marks] Consider the problems of adverse selection and moral hazard arising from asymmetric information: a. [lo nsider government-proded health insurance. such as DHIP in Dntario, and govenunentmandated health insurance, such as Dbamacare in the United States. 1which problem are such programs intended to combat: adverse selection or moral hazard? 1vii'ely briey characterize the tIadeoff between adverse selection and moral hazard as it relates to health insurance public policy. It. Auto insurance policies often require deductibles and health insurance policies often require copayments. Which problem are such deductibles and copayments intended to combat: adverse selection or moral hazard? Very briey explain how deductibles and copayments, respectively. address the two distinct channels through which this problem works