What Would Happen If,as a Business Owner,Toderick Forced His Employees

What would happen if,as a business owner,Toderick forced his employees to join an HMO?

A) Medical care costs would likely be higher than if Toderick's employees could see any doctor and receive any test they wanted because unnecessary care would be fully covered.
B) Medical care costs would likely be lower than if Toderick's employees could see any doctor and receive any test they wanted because the amount of unnecessary care would be reduced.
C) Medical care costs would likely be unaffected by whether employees join an HMO or not.
D) Medical care costs would likely be lower because the less healthy would be encouraged to receive care.
E) Medical care costs would likely be lower because the healthy would be discouraged from receiving care.