A married couple come to you to discuss health insurance and which plan out of two offered by the husband's employer they should take; here are the facts. Married couple, two children (one 6 yrs old the other 6 months old). The younger child has congenital health issues which indicate multiple surgeries in the next few years. The plans offered are: PLAN A Indemnity Plan that pays 80% of all medical costs with insured paying,20% coinsurance. There is a $500.00 deductible per person. The employer pays entire premium for the husband but it will cost the family $380/month for the wife and children. PLAN B Group HMO where employer still pays premium for the husband but cost for spouse and children is $295/month. There will be a $20 co-payment for any physician visit and for prescriptions. Coverage is only if they use the HMO's doctors and hospital. A- What plan would you recommend and why (at least 3 reasons)? B- What other possible health coverage options might the family consider? C- As you speak to the couple you start thinking about life insurance on both the husband, the sole income producer, and on the spouse. What would you discuss with the family regarding life insurance if all they had was a $100,000 group insurance policy on the husband fully paid by the employer