Abstract
We appreciate Dr Jain's thoughtful comments regarding our article on consumer-driven health plans. She believes that we overemphasized the risks of high-deductible health plans (HDHPs). Dr Jain views the increased cost-sharing requirements under HDHPs as a way to reduce overuse and misuse and bring more accountability and consumerism into the health care marketplace. However, she acknowledges that children from low-income families and children with special needs …
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