Which of the Following Is a Negative Consequence to Having

Which of the following is a negative consequence to having insurance companies exist in a society?

A) The asymmetric problem is reduced by insuring large groups of people.
B) They are able to pool risks and give the sick the same access to medical care as the healthy.
C) When they have insurance,individuals will consume more medical care than if they have to pay the full cost for care.
D) When they have insurance,individuals will consume less medical care than if they have to pay the full cost for care.
E) By insuring large groups of people,the asymmetric problem is increased.