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1. Health Maintenance Organizations (HMOs) have substantially lower hospitalization rates per person than do Fee for Service (FFS) insurance plans. Would you say that this is mostly due to (a) the use of preventive medical care by HMOs, (b) financial incentives to patients, (c) financial incentives to doctors, (d) because the HMOs manage to enroll mostly healthy people anyway, or (e) none of the above? What evidencedo you know to support that the thing you selected has a significant effect on the total amount of medical care patients receive?