In "Persons with adequate health insurance are better equipped to bear the costs of hospitalization and other expensive care when it becomes necessary; so Mrs. DiNapoli needn't worry about the cost of her gall bladder surgery coming up next week" the missing premise is
◦ The cost of health insurance is outweighed by its benefits.
◦ Mrs. DiNapoli has adequate health insurance.
◦ Many people lack adequate health insurance.