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Which of the following are problems that commonly arise in health insurance programs? A Adverse selection B Moral hazard C Premiums that remain too low

Which of the following are problems that commonly arise in health insurance programs?

A	Adverse selection

B	Moral hazard

C	Premiums that remain too low to make a profit

D	Both a. and b. arise.

E	Problems a., b., and c. all arise.

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