Which of the following are factors related to the decrease, over time, in the number of people who do not have private health insurance leading up to the Affordable Care Act (i.e., prior to 2014)? (Select all that apply).

1. Increased costs of health insurance

2. People are getting healthier, and fewer need health insurance

3. The decline in the number of highly-paid, unionized, full-time manufacturing jobs

4. Employers receive a tax-benefit to offer health insurance to employees