Which type of health insurance plan emphasizes the use of specific providers and financial incentives?

The type of health insurance plan that emphasizes the use of specific providers and offers financial incentives is the managed care plan. Managed care plans are designed to control costs while providing coordinated care to members. They typically require insured individuals to use a network of doctors and hospitals, which helps to negotiate lower rates and improve care management.

In these plans, patients might face lower out-of-pocket costs when they choose providers that are part of the plan's network. This approach encourages members to seek care from within the network, thus creating a system where the insurer can effectively manage healthcare expenses and improve the quality of care through standardized practices.

Indemnity plans do not emphasize specific providers and typically allow policyholders to see any doctor or specialist they choose, often resulting in higher out-of-pocket costs. Term and whole life policies are life insurance products and do not pertain to health insurance, making them unrelated to this question. Therefore, the managed care plan is the correct answer due to its focus on specific provider networks and financial incentives designed to manage healthcare services.