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A business offers its employees two options for health care coverage, Plan X and Plan Y. Plan X has a lower premium and a higher deductible than Plan Y. Who should choose Plan X for his or her health coverage?

Madison, who rarely gets sick and wishes to retain as much of her income as possible each month, should
choose Plan X.

Charlie, who regularly visits his doctor to monitor a variety of different health issues, should choose Plan X.

Jacques, who wants to limit his financial liability in case of a future health emergency, should choose Plan X.

Abigail, who is relatively healthy but is planning on having expensive surgery in the next year, should choose
Plan X.