So you will use my post as a reference to reply to two of my classmates. Please

So you will use my post as a reference to reply to two of my classmates. Please respond to at least two of my classmates either by agreeing or disagreeing with them in at least 250-300 words each. To properly reply to my two classmates, you should first read my post to understand my own point of view. for example your reply could start by you saying, “Hello, Tinikqia nice post you have here, I agree or disagree with your post for the following reasons….” Each reply must incorporate at least two scholarly citations each in current APA format. Any sources cited must have been published within the last five years. The textbook is an acceptable source. Page one should be a response to the first classmate, and page two should be a response to the second classmate. Don’t forget to incorporate biblical text as well, and when you do, be sure to cite the sources. Do not reply to another classmates post using the other classmates post. Feel free to criticize or agree with each of their posts based on mine. Below is a link to a word document with the posts of my classmates, followed by my post on the last page. Lastly, let me copy and paste the questions we were asked, while writing this post, so that you can have a better understanding of our responses so that you can use my post in replying to my classmates.
Question:
First define and then compare and contrast the fee-for-service and prepaid health plan models. What is the best type of health insurance (for the consumer and the organization) and why? Justify your answer. Discuss the various ways in which healthcare reform has affected and may affect the financial delivery of healthcare today and in the near future.