Answer:
Explanation:
In addition to premium you have to pay other costs for health care including deductible, co payments, and co insurance.
If the sentence in question is a statement (ends with a period), I would probably "however" as your transition word.
If you study over the course of a week, you have a better chance of remembering the material than if you study for a couple hours the night before and cram.
Unfortunately I can't see the picture or passage this question is about. Can you try typing it in the comments?