Which of These Is an Argument Against Health Insurance Using

Which of these is an argument against health insurance using co-payments, typically known as co-pays?

A) Co-payments are insufficient and health care insurance is still beyond the financial reach of most people.
B) Co-payments are relatively small in comparison to actual health costs, so people are insensitive to the true cost of their own health care.
C) Doctors in this system are discouraged from ordering much-needed medical tests and treatments.
D) Many people are still tempted to go without insurance, or to have minimal health insurance.