Question 3 (4 points) Under the provisions of the Affordable Care Act (ACA), under which of the following circumstances can an insurer refuse to renew an insured's health insurance coverage? the insured fails to pay the premium the insured commits fraud the insured intentionally misrepresents a material fact in applying for coverage all of the above none of the above i.e. insurers must always renew at the option of the insured)