Explains multiple reasons why medical service demand increased in the past century; what reason(s) do you believe to be most significant? Why?

1.  Explains multiple reasons why medical service demand increased in the past century; what reason(s) do you believe to be most significant? Why?
2. Discusses the economic and policy factors that led to the widespread use of employer-sponsored insurance:
3. Do you think that employees with high or low incomes were more likely to obtain employer insurance in the 1970s? Why?
4. Do you think there is a conflict of interest (economic or other) between:

(1) Providers (e.g., physicians, hospitals),

(2) Insurance Companies),

(3) Patients, and  Employers providing employer-sponsored insurance? If so, what interests among each one of the aforementioned parties are aligned, and which ones are competitive?