The head of a phospholipid can be described as
nonpolar and hydrophilic
polar and hydrophobic
polar and hydrophilic
hydrophobic with a negative charge

I believe that the answer to this would be polar and hydrophilic (soluble in water). The answer would be the third option. What makes the head of a phospholipid hydrophilic is that its polar head is negatively-charged and made by a phosphate group. Hope this helps.

The answer is option b.