One of your high school buddies just graduated from college and accepted a great job in a small consulting firm

1. One of your high school buddies just graduated from college and accepted a great job in a small consulting firm. However, the firm does not offer health insurance. Over dinner one night, he asks you whether he should buy some health insurance, and if so, what kind? What do you say? Why? What other thoughts come to mind regarding this situation? ​

2. If insurers of dental services understand that high utilizers are disproportionately likely to join their plan, what actions would you expect them to take to deal with this condition when they design their insurance plan? Besides what you expect them to do, what may you recommend they do?