Questions 1. How would you define a risk-neutral person in the context of making decisions about health insurance? 2. What is meant by a loading fee when consider- ing the price of an insurance policy? Why is the loading fee a higher proportion of the mium when people choose low deductibles? pre- 3. Define moral hazard and provide an example. 4. What are the advantages and disadvantages of community rating of health insurance? Consider both equity and efficiency.