Constantinos has a health insurance policy with a $1,000 deductible and 5% co-pay on the next $10,000. Which of the following actions would most likely decrease her premium?
A. Decreasing the co-pay to 2%
B. Increasing the co-pay to 10%
C. Decreasing the deductible to $500
D. Eliminating all of the co-pays
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