While the folks in Washington talk about how to reform the health care system, many of the nation’s employers and state governments are actually making it happen. They are finding ways not only to control costs, but also to provide better care.

The latest example comes from America’s heartland – Indiana – where five years ago, newly elected Governor Mitch Daniels asked that a consumer-directed health insurance option, or Health Savings Account (HSA), be added to the conventional plans then available to state employees. He thought that the plan may interest a few of the state’s 30,000 employees.

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