Most private health insurance plans have out-of-pocket limits, which limit the total amount an insured individual must pay in any given year. For example, a plan may have a 10% copayment on all medical services and a $5,000 out-of-pocket limit. If an individual insured under that plan incurs $60,000 of medical expenses in one year, the individual will pay 10% of the first $50,000 ($5,000), after which the insurer will pay 100% of expenses. Medicare does not have an out-of-pocket limit. Suppose the government is considering adding an out-of-pocket limit. What are the advantages of doing so? What are the disadvantages of doing so?