Building A Better Consumer-Driven Health PlanRecent 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 bygiving employees a financial interest in their use of health careresources.

Some skeptics have argued that the plans will simply shift costsonto the backs of employees, and that they might lead to adverseselection, but there are many strategies employers can use to avoidthose problems.

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