Speaking from experience, the answer is not D.
Answer:
Unaffordable means of communication
Lack of access to acquiring skills in IT
Front is formed where a cold air mass and warm air mass meet
I believe the answer is: high deductible plan
In high deductible plan, the insurance payer is usually subjected to a lower rate of premium. This type of plan usually suitable people who had large enough saving and exposed to a higher risk of fulfilling clauses mentioned in the contract, since they basically have to pay more during the time of service before their health insurance begins to pay.