Directions. Coarsely chop tomatoes, peppers, and onions. Combine with garlic and cilantro. In batches, pulse mixture in a food processor until finely chopped. In a large pot, heat olive oil over medium-high until shimmering. Add mixture and cook, stirring occasionally, until thickened and reduced, 25 to 30 minutes (reduce heat if browning at edge).
Adverse selection is when the plans that provide most generous coverage will attract individuals with the greatest need for care, leading to elevated service use and costs for those insurers independent of their efficiency in service provision.
Moral Hazard is the idea that, under certain circumstances, individuals will alter their behaviour and take more risks.Moral hazard can occur if. 1  There is information asymmetry.2  Where one party holds more information than another. 3  For example, a firm selling sub-prime loans may know that the people taking out the loan are liable to default.oral Hazard is the idea that, under certain circumstances, individuals will alter their behaviour and take more risks.