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Achieving the promise of the retail market.

Publication: Managed Care Outlook
Publication Date: 15-SEP-07 		Format: Online
Delivery: Immediate Online Access

Article Excerpt
U.S. employers' inability to shoulder the full brunt of health benefit costs and inflation rates (a multiple of wage increases) has driven the birth of the consumer or retail health benefits market. Fueled by benefit buy-downs or cost-shifting strategies and a regulatory change creating tax sheltered spending accounts, most Americans find themselves paying more of the health care tab.

Advocates of consumer-driven health care believe financially engaged consumers, when armed with reasonable tools and incentives, will become better health care shoppers and possibly improve the management of their own health. The consumer-driven promise suggests more empowered consumers improve...

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