the ability to accurately predict yearly expenses was one reason that large companies decided to A. offer HMO programs. B. enroll in manage care plans. C. self-insure their employees. D. offer medical spending plans.
Since D. costs the employer nothing, it is easy to predict yearly expenses OF THE EMPLOYER. HMO plans make is easiest to predict the out of pocket expenses of the EMPLOYEE, but the costs to the employer tend to rise at 5%-10% per year.
