25. You meet with an employer, your client for the past three years, for the annuakrunewal of his group insusance pian . Pespanside for paring haif the plaris costs and currently going through a period of financial difficulty, the employer is focking to teduce the total piecrium of the plan, in panicular than for dryg benefits, Where the disastrous claims experience of the past two yearn han resulted in a very significant increase in the premium for this covesage. The current drug benefit coverage includes an annual deductible of 375 per member and an 80 , coinsurance factor. Which of the following modifications would you recommend to the employer to reduce the plan's costs? Eliminate the $75 deductible per member: Eliminate the 80% coinsurancar Increase the deductible to $100 per member and reduce coinsurance to 70%. Increase coinsurance to 90%