Erika Willis, a recent college graduate, has decided to accept a job offer from a nonprofit organization. She'll earn $34,000 a year but will receive no employee health benefits. Erika estimates that her monthly living expenses will be about $2,000 a month, including rent, food, transportation, and clothing. She has no health problems and expects to remain in good health in the near future. Using the Internet or other resources, gather information about three health insurance policies that Erika could purchase on her own. Include at least one HMO. Use Worksheet 9.1 to compare the policies' features. Should Emily buy health insurance? Why or why not? Assuming that she does decide to purchase health insurance, which of the three policies would you recommend, and why?