4. Briefly discuss the reasons payers are seeking new payment approaches for health care services and characterize the ideal solution. (4 pts) 5. Give a simple explanation of the way health insurance works, and then discuss several complicating factors in the actual financing of care. (2 pts) Chapter 11 6. Explain why different stakeholders (i.e., patients and providers) in the U.S. health care system often have conflicting goals. ( 2 pts).