You run a large health insurance company with a good reputation that tends to keep policyholders. What criteria would you use to balance the scarcity of resources (premiums), change the services provided, and/or influence the costs of claims?

Include the following :

• A summary of the effects of scarcity
• A recommendation to reduce the effects of scarcity with a reallocation of resources
• Note: Your recommendation should reduce the effects of scarcity with the same given budget, staffing, and other resources.