John has a choice of two health plans being offered by his employer. the first plan has a $25 co-pay for each doctor visit and has an annual deductible of $2,200. the second plan has no co-pays and has no deductible. the second plan costs $3,000 more in annual premiums than the first. john chooses the first plan and has 10 doctor visits at $200 per visit. which subsequent events would make this plan more expensive than the second plan? a. 10 more doctor visits at $250 each b. a surgery visit costing $1,050 c. emergency hospitalization costing $30,000 d. 40 more short doctor visits costing $75 each