How does a deductible plan serve as a screening tool in health insurance?

• A. It reduces the overall cost of insurance for the company.
• B. It differentiates between high-risk and low-risk policyholders based on their willingness to pay out-of-pocket costs.
• C. It guarantees that only healthy individuals purchase insurance.
• D. It ensures all policyholders pay the same amount for coverage.

Answer: (B)