Question 1: A number of websites, such as https://www.quickquote.com/Links to an

Question 1:
A number of websites, such as https://www.quickquote.com/Links to an external site., offer instant quotes for term life insurance. Use one such website to compare annual premiums for a $1 million, 10-year, term life insurance policy for a 50-year old man and a 50-year old woman. Assume each is in exceptional health and does not use tobacco. Explain the difference in quotes between the man and the woman. Suppose that the U.S. government were to pass a nondiscrimination law requiring insurers to offer the same prices for men and women. What effect would you expect this law to have on prices and insurance coverage?
https://www.quickquote.com/

Question 2:
According to Catlin & Cowan, over time the responsibility of healthcare expenditures shifted dramatically. Explain what shifts in spending responsibility are they referring to? What were the factors that led to this trend in the changing dynamic of healthcare spending?