For all ages, it's imperative to balance near-term and long-termsavings goals, but the makeup of those savings goals has changeddramatically over the past 10 years.

With the continued rise in health care costs, and increased cost sharingbetween employers and employees, more employees and employers havebeen migrating to consumer-driven health care (CDH) to providelower-cost alternatives.

With the increased adoption in these plans for employee costsavings purposes, employers have likewise realized similar costsavings to their bottom line. But what role does CDH play in thelong term?

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