Explain using the Grossman model (specifically marginal efficiency of health investment) why this may be the case.

1. The RAND Health Insurance Experiment found that bone fractures treated per capita was higher in the free insurance plan compared those requiring copayments. Explain using the Grossman model (specifically marginal efficiency of health investment) why this may be the case.
2. Going to the gym (which is increasingly difficult in the Coronavirus era) has several costs: most notably the costs of going to the gym and the opportunity costs going to the gym. Using the Grossman Model, explain what you would expect exercise habits to differ based on individuals based on their income level.
-Thoughtful review and debate are expected.
-References and/or sources of information/data should be provided (2-3 references not older than 5 years).
-For every in-text citation in your response, there must be a corresponding entry in your reference list.
-Please be sure to use APA style when citing your references.