Back to Top. Salary exchange (also referred to as salary sacrifice), is where someone gives up part of their salary in return for a non-cash benefit, often a pension contribution.alary Exchange Calculator. Salary exchange (also referred to as salary sacrifice), is where someone gives up part of their salary in return for a non-cash benefit, often a pension contribution.
Coming from the Latin adversus meaning turned against, adverse is an adjective describing a factor that seems to work against or actively harm something. Think of the related word, adversary, which means enemy or opponent, so that if something is adverse, it acts as if it were the enemy.
Adverse Selection. A phenomenon in which individuals who are likely to use MORE health care services than others due to POOR HEALTH enroll in health insurance plans in greater numbers compared to people who are healthy.ore than 3/4 of the uninsured population are in working families. The vast majority of uninsured people are in LOW-or MODERATE-income families. Individuals BELOW poverty are at the HIGHEST RISK of being uninsured. ADULTS are more likeyl to be uninsured than children.