(1) Whether any studies have been conducted into the effects of the Medical Schemes Act, Act 131 of 1998, with regard to (a) community rating and (b) prescribed minimum benefits (PMB) deterring young healthy and lower income persons from obtaining private medical cover; if not, why not; if so, what were the findings; (2) whether his department is looking into allowing medical aid schemes being able to offer lower income persons the options of choosing lower costing medical aid packages through reduced PMB; if not, why not; if so, what are the relevant details?