If a health insurance plan changes from a $15 copay for physician office visits to 20% coinsurance for these visits, which of the following do you expect to happen? Assume that the insurer's "allowed charges" (the market prices) for physician office visits are always at least $100. (SELECT ALL THAT APPLY) Group of answer choices Enrollees become less exposed to changes in the market prices (allowed charges) for office visits Enrollees become more exposed to changes in the market prices (allowed charges) for office visits Enrollees will have fewer office visits Enrollees will have more office visits