If health care costs continue to rise, insurance companies fear that
a. they'll have to offer a greater variety of insurance policies.
b. consumers will be driven to competitors who can offer lower prices.
c. coverage for dependents under age 18 will decrease.
d. government involvement will increase on both state and federal levels.

D. government involvement will increase on both state and federal levels.

Explanation:

As the cost of health care continues to rise, the government in federal and state level should  start to involve more and more to ensure social security for its citizens, a great example would be Obama Care, that aimed to insurance all of those with incomes lower than the point where they could afford a medical insurance, so if the health care cost continues to rise, more and more people will be left without the benefit of being able to afford them, so the Government should intervene creating programs for them.

they need it to survive

explanation: