Suppose a consumer visits her doctor four times in a year and the medical bill for each visit is $250. Calculate the consumer's out-of-pocket costs under each of the following insurance plans:
- Plan A: $50 co-pay, with 30% co-insurance
- Plan B: $200 deductible with 25% co-insurance
- Plan C: $100 deductible, $10 co-pay, 40% co-insurance
Which plan provides the greatest deterrent to moral hazard? Explain