LAS VEGAS–There are a lot of early success indicators for consumer-directed health plans: It has been proven to lower health care spending by 5 to 14 percent, it reduces trips to the emergency room, and it increases engagement of primary care. And health savings account balances are rising, as well.

But there's a big roadblock to CDHP adoption: rampant consumer confusion. That was the main talking point from Harry Gottlieb, founder of multimedia production company Jellyvision, during a keynote address Wednesday at the Human Resource Executive Health and Benefits Leadership Conference.

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