Which of the following types of insurance plans was developed to provide affordable, comprehensive, prepaid health care to policy holders?

The Health Maintenance Organization (HMO) was specifically designed to deliver affordable, comprehensive, and prepaid health care services to its policyholders. HMOs operate on a model that emphasizes preventive care and a network of physicians. Members typically pay a monthly premium, and in return, they receive a range of health services at a reduced cost, often with lower co-pays for office visits and services.

The focus on preventive care helps control overall health care costs, as regular check-ups and screenings can catch health issues before they become more serious—and potentially more costly—conditions. Additionally, HMOs usually require members to choose a primary care physician who coordinates their care and refers them to specialists within the network, streamlining the care process and typically resulting in better management of patients' health.

In contrast, other types of insurance plans like health savings accounts, point of service plans, and preferred provider organizations offer different structures, benefits, and levels of flexibility. For example, health savings accounts are savings plans that can be paired with high-deductible health insurance plans but do not inherently provide comprehensive care on a prepaid basis. Point of service plans allow members to choose between in-network and out-of-network services but often come with higher costs. Preferred provider organizations also provide flexibility