Exchange systems help primarily with:
a. balance.
Hypothalamic-pituitary-adrenal axis. It's principal effects are increased production of cortisol by the cortex of the adrenal gland.
Health insurance offers a way to reduce such costs to more reasonable, affordable amounts. The way it typically works is that the consumer pays an up front premium to a health insurance company and that payment allows you to share "risk" with lots of other people who are making similar payments.
Cardiovascular disease is a non-communicable disease because it cannot be passed on with physical contact with the infected person