Consumer-directed health plans could help cut health costs, study finds
If consumer-directed health plans grow to account for half of all employer-sponsored insurance in the United States, health costs could drop by $57 billion annually -- about 4 percent of all health care spending among the nonelderly, according to a new RAND Corporation study.
Consumer-directed health plans, which include high deductibles and personal health accounts, are a market-based approach that many employers have adopted to address health care spending. Such plans now account for about 13 percent of all employer-sponsored health coverage.
Aggressive expansion ...








