please check my answer thanks :)
The ability to accurately predict yearly expenss was one reason that large companies decided to
1. offer HMO plans
2. enroll in managed care plans
3. self insure their workers
4. offer medical spending plans
I picked 4
2 answers
I agree. The patient must be the one who can accurately predict the expenses; otherwise the deductions are forfeited. The only advantage to the employee is avoiding taxes on spending account deductions. The cost to the company is negligible
the answer d