Final answer:
An insurance company may offer a policy with a high copay to customers who do not anticipate needing frequent medical services or prescriptions. On the other hand, a policy with a high premium and lower copay may be offered to customers who expect to need frequent medical services or prescriptions.
Step-by-step explanation:
An insurance company may offer a policy with a high copay to customers who do not anticipate needing frequent medical services or prescriptions. This type of policy may be suitable for individuals who are generally healthy and only require occasional medical attention.
On the other hand, a policy with a high premium and lower copay may be offered to customers who expect to need frequent medical services or prescriptions. These policies are suitable for individuals who anticipate higher healthcare expenses and want lower out-of-pocket costs for each visit or prescription.