Choose the answer that explains the following statement: The new consumer$-$driven healthcare plan $($CHD$)$ requires a consumer to become more educated about the cost of healthcare services:

when consumers are better $-$educated, smart shoppers of healthcare services, they have the incentive to purchase wisely and limit unnecessary expenditures

when consumers are trained to provide themselves with preventative healthcare services, they will save money on their insurance premiums

when consumers can select a particular hospital for their surgery, they are able to effect a $20$ percent reduction in their healthcare premiums

when consumers select their own healthcare benefits, employers take on the financial risk for these choices when costs overrun the employer's fixed contribution