Question $2$

$4$ pts

Which of the following is the best definition for adverse selection?

A$.$ The tendency of individuals to decline medical services due to their deductable rate.

B$.$ The tendency of individuals to purchase insurance if they perceive themselves in great need of it$.$

C$.$ The tendency of individuals to select plans that are not in line with their actual need.

D$.$ The tendency of individuals to utilize medical treatments more once they have insurance.