Abstract
Consumer-centric health plans are now emerging as one of the possible solutions to the inappropriate use of health services and the high cost of health insurance in the United States. Labeled variously as “consumer-directed health plans,”“choice plans,” or plans with reimbursement or savings accounts, these health benefit options are currently a small but rapidly growing health insurance segment. Large companies like Aetna, Humana, and the Blues have insured offerings, while start-up companies like Definity and Lumenos offer self-insured options to large employers.
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