Explain why many employers with less than 50 FTE employees elect not to offer employee health benefits. 4 points c. Explain the new Accountable Care Organizations (ACO) which in recent years were formed as a type of health benefit plan offered in certain locations by employers, and explain why ACO premiums are typically lower than most insurer or even HMO plans. 4 points d. 3. Medical Provider Payment Methods List two alternatives to fee-for-service (FFS) payments to health care providers, and explain the cost implications and moral hazard of these payment methods compared to FFS payments as applied to health care providers. 4 points Explain why many employers with less than 50 FTE employees elect not to offer employee health benefits. 4 points c. Explain the new Accountable Care Organizations (ACO) which in recent years were formed as a type of health benefit plan offered in certain locations by employers, and explain why ACO premiums are typically lower than most insurer or even HMO plans. 4 points d. 3. Medical Provider Payment Methods List two alternatives to fee-for-service (FFS) payments to health care providers, and explain the cost implications and moral hazard of these payment methods compared to FFS payments as applied to health care providers. 4 points