2. Pat, Jaimie, and Taylor are three individuals who are identical in every relevant way except one, they differ in their health insurance overage all three just been diagnosed with a fully treatable nonlife-threatening illness, treatment costs $20,000. Pat health insurance will cover %100 of these costs if Pat chooses to be treated, Jamie has no health insurance coverage Jamie will have to pay $20,000 out of pocket to get treated, Taylor insurer paid $2000 to Taylor as soon as the diagnosis was made. Taylor can now freely choose whether to spend the 20,000 on treatment or whether instead to pocket the money. you will observe who chooses to get treated and who chooses not get to get treated. What observations would lead you to conclude that health insurance leads to increased health care usage? what observations would lead you to conclude that health insurance cases mora hazard?