Answer:
I'm trying to decide between B and D, but I think it's D
Explanation:
Insurance does cost a lot, but it's so you have a bit more protection if something happens.
For example:
Let's say you get into a car accident, and you need to stay in the hospital to recover, because you broke a bone, and afterward, you need a prescription of pain medicine. Insurance would pay for your hospital stay I believe, and also pay for part of your prescription. But it costs a lot of money, and your prescription might be really expensive, and there might have been something with your hospital stay that insurance didn't pay for. So basically, Insurance costs a lot, but doesn't pay for much (answer D).
