Your response must be in your own words. Cite all sources using APA formats and use appropriate quotations as necessary. Your responses should cite your text book as a reference at the bottom of the responses. The total word count for your combined explain.

/in /by

Your response should be in the following format example:



Chapter 8 

Concept: Demand for Insurance 

Place explanation here.

Chapter 9 

Concept: Adverse Selection

Chapter 10 

Concept: Agency Relationship 

Reference 

Folland, Sherman, Allen Goodman, Miron Stano. The Economics of Health and Health Care, 7th Edition. Pearson Learning Solutions, 02/2012. VitalBook file.