How Can an Insurance Company Reduce the Moral Hazard Problem

How can an insurance company reduce the moral hazard problem?

A) Impose a coinsurance where patients pay for a percentage of their medical care expenses,pay none of the medical expenses associated with preventive care,and raise deductibles.
B) Impose a coinsurance where patients pay for a percentage of their medical care expenses,pay all of the medical expenses associated with preventive care,and raise deductibles.
C) Eliminate patients' responsibility to pay for a percentage of their medical care expenses,pay all of the medical expenses associated with preventive care,and raise deductibles.
D) Impose a coinsurance where patients pay for a percentage of their medical care expenses,pay all of the medical expenses associated with preventive care,and lower deductibles.
E) There is no way to reduce the moral hazard problem.