Which of the following terms refers to the problem in which one person with no deductible on his or her health insurance policy tends to engage in a less healthy lifestyle than another person with a high insurance deductible? a. adverse selection

b. risk pooling

c. biased selection

d. moral hazard

Option D

moral hazard terms refers to the problem in which one person with no deductible on his or her health insurance policy tends to engage in a less healthy lifestyle than another person with a high insurance deductible

Explanation:

When guaranteed individuals own a more petite share of their medical attention costs, they are expected to utilize more caution. This is recognized as "moral hazard." Moral hazard was approved in health insurance ere Obamacare, with tax considerations favoring employer-based health coverage, putting customers considerably away from medical expenses.

Moral hazard in health insurance endures-that is, somebody, on mediocre, spend less healthcare when they are expected to pay added for it out of pocket as fine as qualitative indication about its nature.