title: Does higher HMO penetration reduce commercial premiums?
mesh_terms: D017046:Cost Savings; D003625:Data Collection; D004465:Economic Competition; D005249:Fees and Charges; D006264:Health Benefit Plans, Employee / Q000191:economics; D006279:Health Maintenance Organizations / Q000191:economics* / Q000706:statistics & numerical data*; D006302:Health Services Research; D014481:United States