What Is One Effect That Insurance Companies Have on the Overall

What is one effect that insurance companies have on the overall cost of health care?

A) They have no impact on costs.
B) They increase costs as hospitals are forced to go out of business.
C) They decrease costs as doctors quit and seek other occupations.
D) They decrease costs as patients seek less care.
E) They tend to increase costs as patients seek more care than they otherwise would.