The Problem of Adverse Selection

The problem of adverse selection

A) implies that many people who do not need insurance coverage have it through group plans.
B) means that those people who apply for insurance are the least likely to need insurance coverage.
C) causes insurance underwriters to alter the health statistics of the general population when determining appropriate premiums.
D) creates a savings element along with the insurance component of the premium and policy.
E) does not exist in the insurance industry.