Most people prefer to pay health insurance premiums rather than pay out-of-pocket for medical expenses because
a people are cautious and believe they are less likely to get sick if they have health-insurance coverage.
b doctors and hospitals always provide better care to people who have health insurance.
c people still feel more secure with a health insurance policy, even though out-of-pocket costs are often lower.
d medical costs can be extremely high, and insurance is more affordable than paying out-of-pocket for a hospital stay.