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The community rating approach to health insurance premium pricing: a. advocates offering the Social Security Medicare program to all individuals irrespective of their age. O b. prohibits insurance companies from varying rates based on health status or claims history. c. considers only medical insurance coverage from a private insurance company. O d. favors the government's contribution to the health savings account (HSA). O e. offers consumer-directed health plans that go one step beyond a flexible-benefit plan. o O O