Florence has a health insurance policy with a $1,500 deductable and 4% co-pay on the next $10,000. What would most likely increase her premium? increasing the co-pay to 5% decreasing the co-pay to 2%

Florence has a health insurance policy with a $1,500 deductable and 4% co-pay on the next $10,000. What would most likely increase her premium?

increasing the co-pay to 5%

decreasing the co-pay to 2%

increasing the deductible to $2,500

adding fixed co-pays for doctors' visits