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Essentials of the U.S. Health Care System Ch. 6 Exam 2025 Questions and Answers Financing - ....ANSWER ...-refers to any mechanism that gives people the ability to pay for health care services. Moral Hazard - ....ANSWER ...-consumer behavior that leads to a higher utilization of health care services when the services are covered by insurance. Provider-induced Demand - ....ANSWER ...-the providers' ability to create demand. Risk - ....ANSWER ...-refers to the possibility of a substantial financial loss from some event. Insured - ....ANSWER ...-an individual who is protected by insurance against the possible risk of financial loss. Underwriting - ....ANSWER ...-is a systematic technique for evaluating, selecting (or rejecting), classifying, and rating risks. Deductible - ....ANSWER ...-the amount the insured must first pay before any benefits by the plan are payable. …FOR STUDENTS ONLY…©️2025 ALL RIGHTS RESERVED… 1