Which statement best describes Health insurance risk$-$sharing?

Group of answer choices

Employees disclose risky behaviors to employers so that insurance rates are appropriately determined, thereby minimizing the employer's risk.

Members enroll in employer$-$based insurance programs, and employers cover the medical risks of their employees.

Members enroll in group insurance plans and pool money through monthly premium payments. The pooled money covers medical costs across all members so that risk is spread across all members..

Members enroll in Health Savings Account programs so that the government shares the risk of health care costs through tax free payments.