only the correct ans please i dont have time

10. To prevent the moral hazard problem, health and life insurance companies may write policies a. for which premiums increase dramatically once the policyholder is discovered to have contracted an illness. b. containing provisions which either reduce or eliminate benefits to persons who O contract prespecified illnesses. O c. limiting the amount the companies will pay in the event that claims are submitted by policyholders d. with all of the above provisions. e. with only A and B of the above provisions