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Employers shopping for group health insurance have various options, including ASO (Administrative Services Only) plans, which offer more flexibility and financial control. ASO plans can be customized for employers and can be PPO, HMO, or POS. The key difference is that with a fully insured plan, the employer pays premiums to an insurance company, while with ASO plans, the employer pays fixed costs and claims out of its own designated account. This allows for greater control over expenses and customization options.
