HBM Company offers three health plans to its employees. The "Gold Plan" costs $500 per month and provides generous benefits. The "Silver Plan" costs $350 per month and provides more limited benefits. The "Bronze Plan" is quite limited and costs $250 per month. HBM contributes $250 per month for each employee's health care benefits. Employees who desire broader coverage are free to contribute additional money to fund the coverage. Based on the description, HBM's health plan is a O high-deductible health plan. o defined contribution health plan. point-of-service health plan. O preferred provider health plan