please help

Which of the following is the Deductible? First dollars due from patient before the insurance pays anything. Dollar amount paid by a patient per visit. Percentage of the bill the patient is responsible to pay. Amount paid to buy Insurance Moral Hazard is that people requiring health services are more likely to buy insurance than those who are healthy. True False Adverse Selection is that patients use more services when their expense is minimal and others (e.g. insurance) pay for most of the care. True False Utilization Risk is the likelihood that Payers and/or Providers underestimate the amount of healthcare services that patients will actually need or use. True False