Tom is currently without health insurance coverage. He derives utility (U) from his income (n) according to the following function: U = Y 2 Tom's income is $85,000 per year. He realizes that there is about a 10 percent probability that he may suffer a heart attack. The cost of treatment will be about $40,000 if a heart attack occurs. Suppose Tom must pay a premium of $3,500 per year for health insurance coverage. Would he buy the health insurance? Why or why not? [4 points]