Lara and Cara are identical twins. They live in different towns from one another and have

different jobs and benefits. They each have an emergency appendectomies at the very same

time. They each receive a bill for $$13,853$ Lara must pay out of pocket the first $$5,000$ of

this bill. Cara pays higher premiums each month and yet had not out$-$of$-$pocket expenses

from the procedure. While each has

Lara has a

and Cara has an

single payer plan; HDHP; HMO

managed care; PPO; HMO

managed care; HDHP; HMO

single payer plan; PPO; HDHP