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.