While the news remains bleak in most sectors - carrier ratehikes rage on, the number of uninsured continues to climb, and, strangely,President Obama's health care reform law is becoming more popular - the storm cloudsreveal a hint of silver lining.

Consumer-driven plans are growing faster than my 10-year-old son(and usually behave a lot better). According to a recent AHIPstudy, more than 10 million people own health savings accounts (typically pairedwith a high-deductible health plan). That's up from 6 million justtwo years ago.

And despite the usual critiques, these plans work at savingmoney, and encouraging more responsible health care decisions (see,told you they were better behaved).

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