Which of the Following Statements Is True About Coinsurance,deductibles,and Co-Payments

Which of the following statements is true about coinsurance,deductibles,and co-payments?

A) These work as a ration on health care consumption by forcing the insured to pay out-of-pocket for a portion of his or her expenditures.
B) Since insurance companies already completely pay for an insured's medical treatment,these payments only add to the cost of health care without providing additional benefits.
C) Industry regulators consider these practices largely fraudulent,and numerous states are attempting to ban their use in insurance policies.
D) Over a lifetime,they result in consumers paying more for their insurance than they would for medical care.
E) They trivialize the need for healthcare intermediaries.