According to the article "Two insurance-based ways to get more Americans vaccinated," the two ways that health insurers and employers can legally increase the number of Americans who are vaccinated are (choose 2): having insurers offer premium discounts to employers purchasing health insurance for their employees using the behavioral economics technique of social norms Increasing health insurance costs for unvaccinated individuals through larger copies deductibles making COVID-19 vaccinations a Wellness program required so that banks and vaccinated will be forced to pay a higher insurance premium till they are vaccinated