The Experiences of Singapore, Whole Foods Markets, and the State

The experiences of Singapore, Whole Foods Markets, and the State of Indiana all point to one major factor that could reduce, if not eliminate, overconsumption of health care. And that is

A) reducing the coverage of insured illnesses.
B) high out-of-pocket costs to consumers.
C) raising the health-insurance premiums.
D) privatizing health insurance.