Answer:
D. Gabrielle is more justified in choosing not to get insurance
Explanation:
Gabrielle is more justified in choosing not to get insurance because she is in good heath and haven't had the need to visit a doctor in a long time.
Chances are she'll be fine, at least until he health situation changes.
Juan on the other hand should find a way to afford the insurance, because of his failing health he can't predict his health costs in short term. So, an insurance would be a great thing for him to have, it would at least give him some financial security because chances are his health costs would be higher than his premiums.