Most people prefer to pay health insurance premiums rather than pay out-of-pocket for medical expenses because
a people are cautious and believe they are less likely to get sick if they have health-insurance coverage.
b doctors and hospitals always provide better care to people who have health insurance.
c people still feel more secure with a health insurance policy, even though out-of-pocket costs are often lower.
d medical costs can be extremely high, and insurance is more affordable than paying out-of-pocket for a hospital stay.

D) medical costs can be extremely high, and insurance is more affordable than paying out-of-pocket for a hospital stay

you can lose ranking 2 ways.

1) you don't have enough points due to you expending them by asking questions/your answers are deleted.

2) your brainliest's expired. this means that brainliests, once they exceed the 30 day limit, expires. this is to ensure that you continue to contribute into the community at a constant rank if you want to continue to have/exceed the rank you have right now.

if you go to profile, and click "show more information" located on the bottom left of the box with your information (on top of the questions answered, questions asked, and friends), you will be given the following information (example):

member since : 02/13/2017, 18: 11

questions answered: 9741

questions asked: 162

no. of brainliest answers: 1575

brainliest answers in last 30 days: 10

warnings: 0 view

questions/answers reported: 2637

questions/answers incorrectly reported: 64

look at the "brainliest answers in the last 30 days". this is the one that will affect your rank other than your points. again, once your brainliest expires (was earned 31+ days ago), it will not be counted.

~