Consider the table below, which has data on insurance status and medical expenditures for different types of professors at Hypothetical University (HU), economics & criminology professors. Assume that there are an equal number of economics and criminology professors. Assume further that econ professors all have the same level of health and criminology professors all have the same level of health.

In 2020, every professor was offered a full insurance contract with no premium. In 2021, HU charged any employee who wanted to keep health insurance the actuarially fair premium based on 2020 expenditures. This premium would be equal to ___ and, as a result, ____ professors dropped their coverage in 2021.

	2020		2021
	Insured?	Avg. Expenditures	Insured?	Avg. Expenditures
Economics Professors	Yes	$25,000	???	$28,000
Criminology Professors	Yes	$15,000	???	$10,000

A. $25,000; criminology

B. $15,000; criminology

C. $15,000; econ

D. $20,000; econ

E. $20,000; criminology

F. $25,000; econ