How Does Health Insurance Distort What Is Otherwise a Normal

How does health insurance distort what is otherwise a normal consumer transaction?

A) Health insurance turns human lives into what is little more than risk assessment.
B) Individuals purchase insurance in case they get sick,not because they seek a healthy lifestyle.
C) It doesn't create distortions.In fact,health insurance produces better market fundamentals than direct transactions.
D) The individual consuming the service is not primarily responsible for payment.
E) Insurance companies magnify the problem of adverse selection.