Catastrophic injuries and illnesses account for two-thirds of total health care costs in the country of gnut. the gnuti government is deciding between two different universal health insurance programs: program x would pay for two-thirds of any health care expense that a gnuti citizen incurred, while program y would pay only for catastrophic illnesses and injuries but would cover 100% of those costs. which program is likely to better allow gnuti citizens to smooth consumption? which program is likely to cost the gnuti government less? explain your answers.