In order for cost, quality, and equity in healthcare to be achieved, there needs to be less restrictions on insurance plans, better efficiency, and more cost transparency. Kaiser HMO prides itself on being lean and efficient, however, closed panel HMOs restrict access and utilization due to the oversight and smaller set of resources. This element will be addressed by >>>>>>> highlighting where and when the issue of managed healthcare organizations arises, who it affects and previous attempts to address the research question.

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