Participants in consumer-driven health care plans tend to spend, on average, 12 percent less on their health care than do those in traditional health insurance plans.

That's one of several pause-worthy findings from a massive survey conducted by Cigna designed to elicit trends among those covered by various types of health insurance plans.

According to the carrier, "the study provides empirical evidence that CDHP/HDHP customers are more likely to 'own' their health and health spending: use health improvement programs, comply with evidence-based medicine best practices, and lower their health risks, resulting in improved total medical expenses by 12 percent."

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