To prevent adverse selection,health and life insurance companies may do all the following except

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Charging the same premiums to all policyholders would not prevent adverse selection. Adverse selection occurs when people with higher risk are more likely to purchase insurance, which leads to higher claims and costs for the insurance company. Charging higher premiums to people with certain preexisting health conditions, requiring medical records, and refusing to sell policies to people with certain pre-existing health conditions are measures that insurance companies may take to prevent adverse selection.

To Prevent Adverse Selection,health and Life Insurance Companies May Do