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Consumer-directed health care is more than CDHPs and HSAs -- it's a paradigm shift employers need to help employees deal with. (Photo: Getty)

The shift to health care consumerism is well underway. Trends continue to point to increased financial responsibility for consumers with rising deductibles, increased consumer out-of-pocket responsibilities, and accelerated adoption of consumer directed health care plans (CDHPs), health savings accounts (HSAs), and other account-based benefit offerings. 

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