The Violin Company Offers Its Employees a Triple Option of Health

The Violin Company offers its employees a triple option of health plans: an HMO, an HMO with a point of service (POS) option, and an indemnity plan. Premiums are lowest for the HMO option and highest for the indemnity plan. Violin employees who anticipate that they will be individual low utilizes of healthcare services are most likely to enroll in the

A) HMO and are least likely to enroll in the HMO with the POS option
B) HMO and are least likely to enroll in the indemnity plan
C) Indemnity plan and are least likely to enroll in the HMO
D) Indemnity plan and are least likely to enroll in the HMO with the POS option