You need to put the dialogue
The correct answer among the choices provided is the third option. Two independent clauses incorrectly joined are referred to as a fused sentence. A fused sentence is also called a run-on sentence. To correct this, an appropriate conjunction or punctuation mark must be put in between the clauses.
Your answer would be influence.
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Healthcare insurance is an insurance covering some or all of the risks of a person when surrounding any expenses they may need medically.