Suppose the Government is considering removing the principle of community rating in setting insurance premiums and allowing private health insurance to set risk-adjusted premiums. Explain the likely implications of this change, particularly for different risk groups (e.g. consider the implications for people who are at (i) high risk of falling ill and (ii) who are at low risk of falling ill). How will the change impact the incentives faced by private health insurers, and how would you expect it to affect their behaviour