The following three options are available on a state health exchange based on the recent "Affordable Care Act". Monthly premium of $70. Deductible is $1, 300 and the insurance company pays 90% of the balance. Monthly premium of $90. Deductible is $600 and the insurance company pays 80% of the balance. Monthly premium of $175. No deductible and the insurance company pay 65% of the cost. Beth has kept a record of her medical expenses for the past few years. Based on her record the following probability table has been compiled. Based on prior medical expenses, which is the best option for Beth