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The Employee Benefit Research Institute asked enrollees in CDHC plans a series of questions to determine changes in cost-conscious behaviors. Surprisingly, with a few exceptions, there were no statistically significant differences between people who cost-conscious and those who were not. Enrollees who checked their health plan to see if a particular treatment or medication was covered, or who researched a doctor’s quality rating before receiving services, had lower account balances than those who did not take such measures. Those who budgeted for health care expenses had higher account balances than those without a budget.

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