If fewer families choose to purchase dental insurance due to increasing insurance premiums,one of the reasons why the remaining insured families tend to have more than the average number of visits to the dentist is that

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Adverse selection occurs when those most likely to use insurance are the ones who purchase it, leading to a higher-than-average number of claims. In this case, families who expect to visit the dentist more often are more likely to keep their insurance despite rising premiums.

If Fewer Families Choose to Purchase Dental Insurance Due to Increasing