Laura moore has a choice at work between a traditional health insurance plan that pays 80% of the cost of doctor visits after a $250 deductible and an HMO that charges a $5 co-payment per visit plus a $21 monthly premium deduction from her paycheck. Laura anticipates seeing a doctor once a month for her high blood pressure. The cost of each office visit is $60. She normally sees the doctor an average of 3 times a year for other health concerns. Comment on the difference in cost between the two health care plans and the advantages and disadvantages of each.