To hold down health care spending, the survey found, consumers are taking the following steps:

Choosing lower-cost medications such as generic drugs (90 percent);
Planning ahead and budgeting for health insurance and medical expenses (67 percent);
Shopping for health care services that cost less (57 percent).

But these consumers know they can't manage their health care costs without solid insurance coverage. They revealed that they value their health plans on many levels. Here's how they ranked what they valued most:

Plans pay their medical claims (89 percent);
Help to manage cost issues (82 percent);
Provide financial protection (80 percent);
Negotiate prices with doctors and hospitals (71 percent);
Help them and their families get healthier (67 percent);
Help them navigate the health system (63 percent).

"The insights gained from our survey show how strong the link is between health and financial security, and reinforces our role in understanding customers' needs and working with them to lead healthier, more secure lives," said Dr. Scott Josephs, Cigna national medical officer. "Years ago, we heard customers say they wanted to protect their health so they could see a child graduate from college or get married. Today, consumers seem to be saying they also want to protect their financial security so they can pay for that child's college education or wedding."

Instant Insights /

Consumers fearful of health care costs

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