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As we enter the fourth quarter, it might be helpful to take a look at some of the consumer-driven strategies we’ve considered in the past—as well as some we’ve avoided—and see if they might be a good option for our clients both this coming year and when all hell breaks loose in 2014.


We first dipped our toes into the consumer-driven pool back in the 1970s with flexible spending accounts. While some would argue FSAs aren’t really a consumer-driven approach at all (after all, they do encourage us to go on a spending spree at the end of the year if we over-estimate how much we’re going to spend on medical services), FSAs do make us think about our expected expenses ahead of time, and that’s more than most people normally do.

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