An Individual States That His Family Has Insurance, but That

An individual states that his family has insurance, but that paying for routine medical costs is very expensive because most routine services are paid for out of pocket.Which type of insurance plan does this individual most likely have?

A) High deductible health insurance plan (HDHP)
B) Point-of-service plan (POS)
C) Health maintenance organization (HMO)
D) Preferred provider organization (PPO)