In 2010, Congress passed the Affordable Care Act, which required insurers to sell health insurance to anyone who applied for it, even people with serious existing health issues. As might be expected, older and less healthy individuals who had previously been unable to get health insurance rushed to buy it, while younger and healthier people often refused to buy coverage even when faced with penalties for refusing to do so. This outcome is an example of what insurance-related process? underwriting indemnification O pooling O adverse selection