Which of the Following Practices Mitigates Moral Hazard

Multiple Choice

Which of the following practices mitigates moral hazard?
I. A health insurance company's policy requires a $500 deductible and a 20% coinsurance rate.
II. Progressive Insurance offers drivers a discount for using a black box that records miles driven and the number of sudden stops.
III. Homeowner insurance does not cover claims arising from backyard swimming pools.

A) I
B) I, II, and III
C) III
D) II and III