The health insurance reform signed into law by President Obama in 2010 included the following two provisions: 

i. Insurance companies must offer health insurance to everyone who applies and charge them the same price regardless of a person’s preexisting health condition.
ii. Everyone must buy health insurance or pay a penalty for not doing so.
a. Which of these policies taken on its own makes the problem of adverse selection worse? Explain.
b. Why do you think the policy you identified in part (a) was included in the law?
c. Why do you think the other policy was included in the law?