5. What if a health insurance policy paid for all health care treatment received by a patient with the exception of a $25 co-pay? Would patients ever experience a "consumer surplus? If "yes", when would that surplus be eliminated? If "no", how could a surplus be created? What would happen to patient choices regarding quality of care, convenience of care, access to care, and/or specialty of care if this same person had no health insurance coverage? What additional variables might affect their health care decision by this person (20 points)