Employer-Provided Private Health Insurance in the United States Has Resulted

Employer-provided private health insurance in the United States has resulted in

A) incentives that encourage the overuse of health care.
B) incentives that discourage the use of health care, and overall poorer health.
C) lower costs of health care as providers better achieve economies of scale.
D) comprehensive coverage of the U.S. population, with few lacking access to adequate health care.