After graduation, you accept a job with a new small startup. Your manager asks you to evaluate health insurance plans and identify which plan is most likely to help attract good employees. One idea she proposes is to offer health insurance to employees with no deductibles and no copays. What advice might you give your manager? After hearing your advice, she asks if offering more generous health insurance will increase the total employee compensation she will need to offer employees over the next 10 years. How would you answer her, using concepts from the chapter?