Imagine that you have just been hired in your first job. Your monthly salary is set as 18,000 pesos. Your employer asks you if you would like to apply for healthcare insurance. The annual premium of the insurance to cover you and your dependents is 36, 000 pesos. This means you have to pay 3,000 pesos monthly for this. Yu know that you are a relatively healthy family so far. Should you apply for health insurance? Why or why not?​