Which of the Following Is a Key Reason That Employer-Sponsored

Multiple Choice

Which of the following is a key reason that employer-sponsored insurance is responsible for waste and overutilization in health care?

A) There are no limits on deductibles consumers must pay.
B) It allows consumers to opt out of defined benefit programs.
C) It insulates consumers from economic consequences.
D) It does not allow businesses to opt out of defined benefit programs.