John is a sophomore in college and used to be on his mother's health insurance plan. His mom recently changed jobs and her benefits package changed. As a result, she can no longer afford to pay for John's health insurance. He is a healthy 20 -year-old and a full-time student. He works part time to cover his living expenses, but doesn't have much left over at the end of each month. He's saving up for a car and hates the idea of spending money on health insurance when he hardly ever goes to the doctor. 1 Explain the different health insurance options available for John and assess the risk vs. the reward of each option. 2 Should John go without health insurance and continue saving up for a car? Why or why not? 3 Would a Health Savings Account (HSA) be a good option for John? Why or why not