The HMO Act included:

A. a feature that made federal grants and loan guarantees available for planning, starting, and/or expanding HMOs
B. a feature that preempted state laws that restricted the development of HMOs
C. a feature called the “dual choice” provision which required employers with 25 or more employees that offered indemnity coverage to also offer at least one group or staff model and one IPA-model federally qualified HMO, but only if the HMOs formally requested to be offered
D. all of the above

D