What is the primary function of a 'narrow network' health plan?

The primary function of a 'narrow network' health plan is to limit the number of healthcare providers and facilities that participants can access, which in turn leads to lower premiums. This approach enables the insurer to negotiate better rates with a smaller group of providers, creating a cost-effective model. By having fewer options for care, insurance companies can manage costs more effectively and offer lower premiums to their members. This structure appeals to individuals who are looking for more affordable healthcare options, as long as they are willing to work within the limits of the networked providers.

The other choices don't align with the core concept of narrow networks. For instance, offering the widest range of providers would not contribute to lower premiums, and ensuring all hospitals are included would contradict the limited scope of a narrow network. Additionally, facilitating international healthcare access is not a primary function associated with narrow networks, which typically focus on localized care.