(Ratcliffe & Stover, 2015). They could also work to improve the efficiency of current health plans by managing unit costs through medical discounts, audits, program/service reviews, and contract reviews along with overall health promotion through promotions, biometric screenings, accountability strategies, disease management and incentives. they would all help manage health care costs for GMFC and its employees (Ratcliffe & Stover, 2015). However, in effective terms, this option would be best used in a combination