Which of the following statements regarding medical insurance costs in the United States is true? a$.$ Increased regulation and decreased administrative costs have reduced medical insurance costs in the United States.b$.$ A poor demand$-$and$-$supply distribution of health care facilities and services has increased health care costs. c$.$ Advances in medical technology have decreased medical insurance costs. d$.$ Due to the financial importance of health insurance, nearly $50\%$ of the U$.$S$.$ population has health insurance.e$.$ Health insurance does not pay for routine medical costs.