How does risk affect insurance premiums? As risk increases, premiums increase As risk increases, premiums decrease. As risk decreases, premiums increase. Risk doesn't affect premiums. 5 None of the above Question 13 (1 point) What should you do if the severity of risk is high and the frequency of the risk event occurring is high? O Purchase insurance. Accept the risk. Avoid the risk. O Manage the risk None of the above Question 14 (1 point) Which of the following provides care through a network of physicians and hospitals located in a specified geographic area? Insurance Preferred provider organization Fee-for-service plan Health maintenance organization. None of the above