Which of the following statements is correct? O For an individual to have full insurance, the insurance payout must equal the difference between their income in the healthy state and their income in the sick state. O For health insurance to be actuarially fair, the insurance premium must be $0. O Under partial insurance, income in the sick state combined with the insurance payout is greater than income in the healthy state. O Relative to an individual with no health insurance, an individual with health insurance will lose income in the sick state and gain income in the healthy state