Phospholipids are amphipathic meaning they have hydrophilic head and hydrophobic tail.

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Phospholipids are amphipathic, meaning one end interacts with water while the other avoids it. The head is polar and hydrophilic, interacting readily with aqueous environments, while the tails are nonpolar and hydrophobic, avoiding water. In water, this drives them to organize into a bilayer where the hydrophilic heads face outward toward the water on both sides, and the hydrophobic tails tuck inside away from the water. That behavior is why the correct description is a hydrophilic head and a hydrophobic tail. The other options describe swapped or reversed roles, which would not match how phospholipids naturally orient themselves in aqueous environments.