Building A Better Consumer-Driven Health Plan 
Recent surveys suggest that as many as 25% of all U.S. employers may be considering the new “consumer-directed” health plans.
Organizers of the plans hope to control health care costs by giving employees a financial interest in their use of health care resources.
Some skeptics have argued that the plans will simply shift costs onto the backs of employees, and that they might lead to adverse selection, but there are many strategies employers can use to avoid those problems.
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