A Patient Tells the Nurse, "I Didn't Sign Up for Health

A patient tells the nurse, "I didn't sign up for health care insurance at my job because I'm young and healthy and can use the money in other ways." The response that best explains the advantage of health insurance would be

A) "With insurance a fiscal middleman pays your health care bills."
B) "With insurance your individual contributions go directly to paying your personal expenses."
C) "With insurance you can borrow money for unexpected health care expenses at a very low interest rate."
D) "With insurance you are spreading the risk in case you have a serious health event, such as cancer or major trauma."