One's own personal gain

In an unregulated market, healthcare consumers often

A) overestimate its benefit. B) cannot afford the care they need. C) overestimate their future need. D) All of the above are correct.

Which of the following is not a common response to the moral hazard problem that employers face?

a. offering all employees some funding for additional education b. paying efficiency wages c. requiring employees to provide itemized receipts for reimbursable expenses d. paying year-end bonuses rather than higher monthly earnings