As a Consumer, You Subscribe to a Health Plan with Relatively

As a consumer, you subscribe to a health plan with relatively low premiums but a very high catastrophic cap. You are expected to pay for most services out of your own pocket and are rewarded with tax breaks for saving money to pay for your own care. Your plan is best described as:

A) A health maintenance organization
B) Indemnity insurance
C) A preferred provider organization
D) A high-deductible health plan