Ten years ago, benefits self-funding and the stop-loss coverage that typically accompanies it was a world occupied mainly by large employers.

To many, the phrase consumer-driven health care is another way of saying higher deductibles and co-pays. Make it more expensive to access medical care, the logic goes, and employees will think harder about whether that doctors visit is really necessary.

Benefits administrators worry that new rules will make FSAs less attractive to employees — and to employers as well.