$1.$One of the major differences between the market for clothes and the market for health care is

a$.$ you have a good idea of how much you need to budget for clothes over the next three months, but not how much you need to budget for health care over that period of time.

b$.$ you wear clothes, but you don't really wear health care.

c$.$ there is usually one party involved when buying clothes

you. There are usually three parties involved when buying health care $-$ you, the doctor or hospital, and the insurance company.

d$.$ there is uncertainty in the market for clothes but not in the market for health care.