Final answer:
Jane will most likely pay more than Adriana (option b) for insurance because premiums are often set at levels reflecting an individual's risk profile, and Jane has a higher risk of developing health problems.
Step-by-step explanation:
If the probability that Jane will develop a health problem is greater than that of Adriana, and if they buy insurance from the same provider, then Jane will most likely pay: b. more than Adriana.
Insurance premiums are often set at actuarially fair levels, which means that the premium is based on the risk profile of the individual. Since Jane has a higher probability of developing a health problem, she represents a higher risk to the insurance company. Therefore, the insurance company would charge her a higher premium to cover the potential costs associated with her increased risk.
As an example, consider how health insurance companies might set premiums for people with chronic diseases or the elderly, who are likely to have higher healthcare costs. Additionally, other types of insurance like car insurance may also vary based on risk—where young male drivers might pay more than young female drivers due to the higher likelihood of car accidents. Thus, similarly for Jane, having a higher health risk translates into higher premiums compared to Adriana.