Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to choose health insurance [title] Learn about health maintenance organization (hmo) plans. [step] Hmo plans generally restrict your coverage to doctors and specialists who either work for that hmo or contract their services. Depending on the hmo plan you're considering, you may be required to live or work in a specified service area to qualify for coverage.

Ending1: [title] Research reputable deductibles before signing up for a policy. [step] Getting into health insurance is like opening a trade-in program where you and your doctor work together, which can be expensive. Ending2: [substeps] If you live in or work in an hmo facility, you are free to stay at that facility. For $10 a day, you are free to stay at that facility, even if you live in an out-of-office facility. Ending3: If you plan to live on your own, you may be asked to work under a schedule or pay certain hourly salaries. [substeps] Liability insurance plans cover no real health expenses. Ending4: [substeps] Hmo plans do not usually cover out-of-network care, or only provide limited out-of-network care, unless you are seeking emergency services. Hmo plans generally provide you with the least freedom to decide where you will receive your health care.

Answer format: ending1/ending2/ending3/ending4