4. Joe is a 25 year-old single worker who receives no coverage for health care from his employer. Joe has a non-fatal medical condition that can be treated at a price of $120 per treatment. Discuss how the out-of-pocket cost that Joe pays for health care will change if he switches jobs to a new employer that offers health care coverage with each of the options below. (12 points, 4 points each) A. a $250 per year calendar-year deductible. B. a 75/25 participating deductible in which the insurer pays three-quarters of the cost. tttttttt C. an HMO that satisfies the traditional federal standards for qualification with a $20 copay 4. Joe is a 25 year-old single worker who receives no coverage for health care from his employer. Joe has a non-fatal medical condition that can be treated at a price of $120 per treatment. Discuss how the out-of-pocket cost that Joe pays for health care will change if he switches jobs to a new employer that offers health care coverage with each of the options below. (12 points, 4 points each) A. a $250 per year calendar-year deductible. B. a 75/25 participating deductible in which the insurer pays three-quarters of the cost. tttttttt C. an HMO that satisfies the traditional federal standards for qualification with a $20 copay