How do insurance companies try to reduce these problems, Microeconomics

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How do insurance companies try to reduce these problems

Problem

Adverse Selection and Moral Hazard Describe the problems faced by health insurance companies as a result of adverse selection and moral hazard. How do insurance companies try to reduce these problems?

The response should include a reference list. Double-space, using Times New Roman 12 pnt font, one-inch margins, and APA style of writing and citations.

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