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To help combat the rising cost of healthcare, the trend of “Consumer Driven Healthcare” started in the early 2000’s. In short, it is a way to put some of the burden of the healthcare cost on the employee in hopes they will become better educated and make better choices with their healthcare – through better habits, using generic instead of brand name drugs, shopping doctors, trying physical therapy rather than surgery, etc. Here is an article that discusses consumer driven health care a bit more. https://online.wsj.com/ad/employeebenefits-consumer_driven_plans.html
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