1. Which of the following is not an example of a feature of managed care plans that is intended to reduce the average medical expenditures per plan participant (i.e., the total expenditure, including both the insurers portion and the patients portion)?
   1. Cost sharing provisions with patients, such as deductibles and coinsurance
   2. Negotiated lower fees with providers
   3. Capitation arrangements with providers
   4. Flexible spending accounts
   5. Utilization review