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One insurance program involves 8 subjects with an income 5000. they are going to pay a 3000 medical bill once they get sick Question If

One insurance program involves 8 subjects with an income 5000. they are going to pay a 3000 medical bill once they get sick
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 If the probability of getting sick is 1 in 20, what is the expected value
 If the 8 subject bear different risks, 5% for number 1 to 3; 10% for number 4 to 6 and 20% for number 7 to 8. the insurance premium is set at 330. can the insurance stay in business? Is there a death spiral?

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