Three years ago, Lance made several fraudulent misstatements on his application for individual medical expense insurance. However, the insurance company did not discover these misstatements at that time and issued the policy to Lance. Under the Uniform Individual Accident & Sickness Policy Provisions Act: O a) the insurer can void the policy even though it was issued more than two years ago Ob) the insurer cannot void the policy since it has been more than two years since the policy was issued O c) the insurer can rescind the policy at this point only if Lance fails to pay his premiums on time d) the insurer cannot void the policy because of the provisions of the Affordable Care Act