What type of health insurance is usually sponsored and partially paid for by an employer?

The correct answer is based on the fact that Health Maintenance Organizations (HMOs) are structured to provide a more affordable health insurance option that is often partially funded by employers. Employees typically pay a portion of the premiums, while the employer covers the rest. This arrangement allows for a range of healthcare services (such as doctor visits, hospital stays, and preventive care) to be provided at a lower cost to the insured individuals.

HMOs focus on preventive care and include a network of doctors and specialists that members must use to receive coverage. This type of health insurance encourages employees to seek regular medical care, which can lead to improved health outcomes and potentially lower healthcare costs for the employer as well.

In contrast, the other options listed—Medicare, capitation, and point of service (POS) plans—do not follow the same employer-sponsored model typical of HMOs. Medicare is a federal program for individuals aged 65 and older or those with certain disabilities, and is not generally provided by employers. Capitation refers to a payment arrangement where a provider is paid a set fee per patient regardless of the number of services rendered, which does not fit the employer-sponsored context. POS plans offer a mix of features from HMO and PPO plans but are not exclusively