The ACO looks like a hybrid between a traditional PPO and HMO plan. While the plan member has some freedom to select different doctors, there are deductible and copay incentives to sticking with service providers in the ACO.

Kevin Knauss: Health, History, Travel, Insurance
In California you can get a small group health insurance plan if you have a minimum of 2 employees working full time in either a business or non-profit organization.
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