Heаlth Insurаnce (а) Explain twо reasоns why a large number оf Americans gain health insurance through their employers. (b) Define the term “community rating”. (c) Explain how community rating can cause the non-group insurance market to unravel. (d) The first leg of the ACA’s three-legged stool policy design is to impose community rating on the non-group insurance market. Explain how the second leg prevents this market from unraveling. (e) Discuss the third leg of the ACA’s policy design. What problem is it meant to solve? How does it attempt to do so? In your answer, mention three programs or rule changes that the ACA introduced or expanded as part of its third leg.