The argument gives us a positive and negative aspect to the low-cost insurance plan: The positive is that it costs less; the negative is that it does not cover something that can end up costing a lot of money itself. The scope of the argument is the cost of medical care under certain plans, so look for a choice that focuses on the financial aspect directly.

Choice (A) does this. To determine whether it's wise to "avoid" purchasing these plans, it's important to know whether the drawback is really worse than the benefits gained by opting for the low-price plan. If the additional cost is less than the amount saved by going with such a plan, the argument is not very strong.

Choice (B) may be tempting, but it strays from the narrow scope of the argument by ignoring the specific costs of certain types of treatment. (C) is off topic, as is (E). (D) may be tempting as well, but the argument tells us that brand-name drugs cost consumers a certain amount of money; it shuts out the possibility that generics are available by the terms of the argument. Choice (A) is correct.