Inga is on the executive board of a small trade union. Many of the union's members are self-employed or work for small companies with no benefit plans. The union decides to offer an accident and sickness insurance plan to its members as a service. Inga is discussing the plan with Astrid, an insurance agent. What recommendation will Astrid make regarding the payment of premiums?

a. The union will pay only the first $500 of the premiums annually in a co-pay arrangement.

b. The union will split the premiums with the members on a 50/50 basis. 

c..The union will pay all premiums. 

d. The members will pay all premiums.