Which of the Following Is an Example of the "Moral

Which of the following is an example of the "moral hazard of health insurance"

A) an increase in the number of surgeries prescribed for benign prostate disease beyond the point at which the marginal benefit equals the marginal cost
B) a decreased willingness of individuals to go to the doctor for minor ailments because of increases in coinsurance rates
C) an underallocation of resources to medical care because of monopoly power of hospitals
D) experience rating of health insurance groups by health insurers