Which of the following tends to increase aggregate demand for health insurance?

CHOICE $4$: Much larger proportion of low$-$risk insureds in the risk pool

CHOICE $1$: Higher risk aversion of the buyer

CHOICE $1,2,$ and $5$ only

CHOICE $3$: Smokers, who need to buy insurance, discover that they have to pay $1\mathrm{.}5$ times more than the normal premium rate

CHOICES $1,2,4,$ and $5$ only

CHOICE $5$: Low insurance price

CHOICE $2$: Larger size of the insurable risk involved