Julia is a 28-year-old non-smoking, non-drinking female of normal weight. Because of adverse selection in health insurance,

she will be charged less for her premiums than people who are higher risk.

she is less likely to buy health insurance than the average person, because policy premiums are based on expected medical expenditures of people who are less healthy than she is.

when she gets health insurance, she will be less likely to take care of herself.

she must get health insurance early in life and is likely to lose health insurance if she smokes, drinks to excess, or gains weight.

she is more likely than the average person to buy health insurance, because she is more likely to be offered it.