6.2 When private companies offer health insurance to their employees the insurance carrier they contract with typically requires that all employees be obligated to participate and pay premiums whether they wish to or not. What problem is the health insurance company trying to avoid? How does this policy mitigate this problem? (5 Marks)

6.3 Explain the adverse selection problem that is faced by health insurance companies when offering individual health insurance policies. What method do health insurance companies employ to combat the problem? (5 Marks)