Which of the following is FALSE regarding insurance or intermediaries?

$1$ point

In the US$,$ the most common way people get insurance is through their employer.

Insurance companies and government programs are two different types of intermediaries.

If you are a healthy person in a risk pool with people of a range of health statuses $($i$.$e$.$ sick and healthy individuals$),$ your premium will likely be higher than your expected spending.

Private insurance can only be obtained through an employer.