4. Given these benefits costs that employers must bear, what impact would you predict that this would have on the wages and salaries of employees? Explain. 5. Assume that the PPACA reduces the number of uninsured and, in particular, more younger and healthier people become insured, what is the predicted impact on: a. The expected costs for insurers? Explain. b. The expected risk (e.g. the variability of costs) for insurers? Explain