Which of the following statements regarding medical insurance costs in the United States is true?
1) Increased regulation and decreased administrative costs have reduced medical insurance costs in the United States.
2) Advances in medical technology have decreased medical insurance costs.
3) A poor demand-and-supply distribution of health care facilities and services has increased health care costs.
4) Due to the financial importance of health insurance, nearly 50% of Americans are uninsured.
5) Health insurance does not pay for routine medical costs.