With regard to the major risk factors associated with group underwriting, it can correctly be...

The age and gender of group plan members are not predictors of utilization of health services by group members

A health plan's product design or delivery system has an impact on member selection of the health plan, unless the members are in an environment in which employees have at least two benefit options or health plans from which to choose

A health plan should track demographic factors of groups only if the plan specifically adjusts for demographic factors on a group basis

A large group is more likely to exhibit a consistent claims pattern, level of healthcare cost, or utilization of services than is a small group