An advantage for an individual of having employment-based insurance is that it:

A) increases moral hazard.
B) increases the likelihood of adverse selection.
C) increases government tax revenues.
D) receives favorable tax treatment.

Employment-based health insurance is provided through employer-sponsored group plans, and the premiums paid by the employer are tax-deductible. The employee's share of the premium is generally excluded from taxable income, which provides favorable tax treatment. This reduces the cost of insurance for employees and makes it an attractive benefit for employers to offer.