A(n) __________ provides comprehensive health services to its members for a prepaid fixed fee, similar to an insurance premium.

An HMO, or Health Maintenance Organization, is designed to provide a wide range of health services to members for a fixed, prepaid fee. This structure promotes preventive care and encourages members to use contracted healthcare services, which helps in managing costs and improving healthcare efficiency. Members typically select a primary care physician who coordinates all healthcare services, ensuring that they receive appropriate and necessary care within the network.

In contrast, a PPO (Preferred Provider Organization) allows members more flexibility in choosing healthcare providers but usually at a higher out-of-pocket cost compared to an HMO. Indemnity plans are more traditional insurance plans that reimburse for services after treatment is provided rather than offering prepaid comprehensive coverage. Term life insurance, on the other hand, is a form of insurance that provides financial benefits upon the death of the insured, and it does not relate to health services or a prepaid health care model. Thus, the unique structure of an HMO aligns perfectly with the definition presented in the question, making it the correct choice.