Consider two health insurance plans: Plan A with a low premium and high deductible, and Plan B with a high premium and low deductible. Which plan is more likely to attract high-risk individuals and why?

• A. Plan A, because high-risk individuals expect fewer health issues.
• B. Plan B, because high-risk individuals are less concerned about premiums.
• C. Plan B, because high-risk individuals prefer lower out-of-pocket costs.
• D. Plan A, because high-risk individuals prefer lower premiums.

Answer: (C)