On User Interface
My University requires every student to log on to a website to enter their health insurance information. If they don't have insurance, they have to sign up for it and pay. This is the interaction they have to perform.
The correct choice for most students- where they already have health insurance and do not wish to purchase it- is scary, red, and listed second. It suggests it's the "wrong answer."
It's definitely a ploy to get confused college students to pay for extra insurance. Gross.