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2. Which of the following are true? I. Optimal health insurance would have no copayment past a certain level of expenditure. II. The government subsidizes

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2. Which of the following are true? I. Optimal health insurance would have no copayment past a certain level of expenditure. II. The government subsidizes individuals who buy health insurance through their employer. III. Retrospective reimbursement can lead to under provision of care. a) I \& II only b) I \& III only c) II \& III only d) I, II, \&

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