Federal Tax Legislation Makes It Cheaper for Individuals and Families

Federal tax legislation makes it cheaper for individuals and families to pay for health care

A) by purchasing an insurance policy through their employer rather than paying for it directly with their own money.
B) by purchasing an insurance policy through their employer rather than directly purchasing health insurance from the company of their choice.
C) directly rather than through an insurance policy offered through their employer.
D) by both a and b above.