Which of the following describes an organism that is likely to be harmful to human health?

The term "germs" broadly refers to microorganisms that can potentially cause disease, including bacteria, viruses, fungi, and parasites. These organisms are often associated with infections and illnesses in humans. Therefore, when considering which type of organism is likely to be harmful to human health, "germs" fits this description appropriately.

Beneficial bacteria, on the other hand, play crucial roles in processes such as digestion and can contribute to overall health. Non-pathogenic microorganisms are those that do not cause disease and may even provide benefits to humans, while symbiotic organisms have relationships with humans or other organisms that are mutually beneficial. Thus, the nature of "germs" as pathogens aligns closely with their potential to harm human health, making it the correct choice in this context.