please answer both or i will down vote

2 pts D Question 10 Advantages of an employer sponsored group health program include all of the following except: Employer pays a percentage of the premium Employer provides health and wellness programs with incentive to participate Employee may choose any health care provider with no network restrictions related to deductible and coinsurance Employee's premiums are excluded from employee's taxable income 2 pts Question 11 Edward wishes to establish a Health Savings Account. All of the following requirements must be met in order for Edward to be eligible for a Health Savings Account except: O Must have a total Stop Loss (deductible & coinsurance) of at least $14,000 Must have health insurance coverage Must not be covered by Medicare O Must have a high deductible of $1,400 or greater under the health insurance policy