Moral hazard refers to the incentive for (choose all that apply) clients to mislead insurance companies with incomplete information. insurance companies to interpret policies as not covering certain expensive accurrences. hospitals to refuse high-quality care to the indigent. Opeople to behave differently with insurance than without it. Question 6 An actuarially fair return means (choose all that apply) returns on Investments are indexed to the stock market. returns on investments have to be positive. benefits received, on average, would be equal to the premiums paid. premiums for insurance are generally paid by the government. 1 pts