Consumer-directed health plans are certainly attracting attention, but what effects will they actually have on health and health spending if they catch on? Forecasts are often wrong, but in this case we have strong evidence about the probable effect of a key component of such plans—namely the large deductible that is partially or perhaps even wholly funded by an employer.
(March 2006)
Virtual Mentor
2006
http://virtualmentor.ama-assn.org/2006/03/oped2-0603.html