In assessing the potential degree of risk represented by a proposed insured, a health underwriter...

inability of a proposed insured to share with the insurer the financial risks of healthcare coverage

possibility that a proposed insured will profit from an illness by receiving benefits that exceed the total amount of his or her eligible medical expenses

inability of a proposed insured to provide sufficient evidence that proves he or she is an insurable risk

tendency of people who have a greater-than-average likelihood of loss to apply for or continue insurance protection to a greater extent than people who have an average or less than average likelihood of the same loss