Which of the following is an example of ex-ante moral hazard?

A. Patients with insurance might opt for non-emergency surgeries more often than those without insurance.

B. Individuals on a free insurance plan are more likely to show up at the hospital with broken bones.

C. A patient with insurance might get a second opinion if it is covered under insurance, even if it isn't needed.

D. An individual with an insurance plan is more likely to take advantage of Lasik surgery.

When an individual decides not to get the flu vaccine it is an example of:

A. Asymmetric Information

B. Utility Maximization

C. Ex-Post Moral Hazard.

D. Ex-Ante Moral Hazard.

When an individual purchases expensive drugs instead of generic brands it is an example of:

A. Utility Maximization

B. Asymmetric Information

C. Ex-Ante Moral Hazard.

D. Ex-Post Moral Hazard.

Which of the following is an example of asymmetric information?

A. When an employee lies about the fact they smoke cigarettes.

B. When an unhealthy individual consumes more healthcare than a healthy individual.

C. When an individual is more risk-averse.

D. When someone has an undiagnosed illness.