Which term refers to a type of health insurance plan encouraging cost management?

The term that best refers to a type of health insurance plan encouraging cost management is "Managed Care Organization." Managed care organizations are designed to manage costs, utilization, and quality of care. They employ various strategies, such as negotiating lower rates with providers, implementing care management practices, and focusing on preventive services to keep healthcare costs down, ultimately benefiting both the insurer and the insured.

Consumer-driven health plans, while related to cost management, primarily focus on empowering consumers with more control over healthcare spending, often through high-deductible plans coupled with health savings accounts (HSAs). They do encourage a cost-conscious mindset but do not inherently embody the structured cost management principles of managed care organizations.

Fee-for-service is a traditional insurance model that pays healthcare providers for each service rendered, which can lead to increased costs due to the volume of services rather than their efficiency or necessity.

Health maintenance organizations (HMOs) are specifically a type of managed care organization; however, if the focus is on broader cost management, the term "managed care organization" is more comprehensive. Hence, while HMOs do encourage cost management through a network of providers and preventive care, the term "managed care organization" encompasses various models and approaches beyond just HMOs.