Q 1. Describe briefly the major health-care problems in the United States.

Q 2. Identify the major provisions of the Affordable Care Act that will have an impact on individuals and families.3. (a) Describe the basic characteristics of individual medical insurance.(b) Why deductibles and coinsurance are used in medical expense policies?4. Briefly explain the major characteristics of a health savings account (HSA). 5. Briefly explain the basic characteristics of long-term care insurance.