All of the following statements are true?

a)	Value-based insurance increases out-of-pocket costs for effective products.

b)	Centers of excellence provide quality care but a strategy for reducing costs or improving population health.

c)	Reference pricing is a strategy to reduce costs but risks harming population health.

d)	Commercial bundled payments provide many opportunities for savings due to readmission costs and rehabilitation costs being much larger.

e)	Private ACOs increase costs and decease quality because cannot negotiated fee schedules and most except any eligible provider.

f)	All of the above are true.

g)	None of the above are true.