What is the goal of the HMO? A. Limiting the deductibles and coinsurance to reduce costs B. Providing free health services C. Providing health services close to home D. Early detection through regular checkups

The correct answer is A. Limiting the deductibles and coinsurance to reduce costs.

The goal of a Health Maintenance Organization (HMO) is to manage healthcare costs. Limiting deductibles and coinsurance is a key strategy used by HMOs to control expenses for both the insurer and the insured.

Here are further explanations.

• Option B: Providing free health services. HMOs do not provide free health services; members typically pay premiums, deductibles, and coinsurance.

• Option C: Providing health services close to home. While convenience can be a factor, it is not the primary goal of an HMO.

• Option D: Early detection through regular checkups. Early detection is a benefit, but the overarching goal is cost management.