In Assessing the Potential Degree of Risk Represented by a Proposed

In assessing the potential degree of risk represented by a proposed insured, a health underwriter considers the factor of antiselection. Antiselection can correctly be defined as the

A) inability of a proposed insured to share with the insurer the financial risks of healthcare coverage
B) possibility that a proposed insured will profit from an illness by receiving benefits that exceed the total amount of his or her eligible medical expenses
C) inability of a proposed insured to provide sufficient evidence that proves he or she is an insurable risk
D) tendency of people who have a greater-than-average likelihood of loss to apply for or continue insurance protection to a greater extent than people who have an average or less than average likelihood of the same loss