Experience Rating Does Not Generally Cause People to Make Choices

Experience rating does not generally cause people to make choices that reduce their use of the health care system because:

A) the use of partial-cost payments offsets any incentives people have to decrease their use of the health care system.
B) government programs such as Medicaid and Medicare offset any incentives people have to decrease their use of the health care system.
C) most of the individual variation in the use of health care comes from factors beyond individual control.
D) most of the individual variation in the use of health care arises because of the way insurance companies structure payments to providers.