When a medical group wants to join a PHO whose only objective is to negotiate with health plans for services on a capitated basis and the state regards this PHO as a licensed health insurance company, what impact(s) can this have? Question 12 options: a) Increased government supervision b) Additional legal filing requirements c) Maintenance of additional certain reserve requirements ranging from several thousand dollars to several million dollars d) Requirements of additional capital requirements e) All of the above f) Only a, b, and c of the above