Chogan works as an accountant for a large dairy farm. His brother and cousin want him to go into business with them in a local delivery service they$$re starting. Their business plan looks solid, and Chogan is excited about the opportunity. However, Chogan has severe asthma, and his group insurance pays a large part of his annual medical expenses for doctor visits, supplies, and prescriptions. Because his asthma is a pre$-$existing condition, individual health insurance would be very costly$.$ He can join a less expensive managed care plan, but his doctors aren$$t part of the plan. What are Chogan$$s choices? Discuss.