What phrase from the passage is the best example of indirect characterization

Healthcare costs are becoming an issue for many americans. in just two years, the average family has seen an increase of 3 percent in insurance costs. the increase rises to 25 percent when you include families who buy insurance on an exchange. at this rate, health care will soon be completely unaffordable for most americans. therefore, lowering the cost of health insurance must be a priority for lawmakers. which statement best explains why the argument is logical? a.)the argument incorporates empirical and anecdotal evidence. b.)the argument includes a strong counterclaim and a fair rebuttal. c.)the argument contains relevant reasons supported with facts and data. d.)the argument includes a personal experience as an emotional appeal.