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Overall, 58 percent of respondents said they had an account to put aside money for medical expenses, but only 40 percent of the entire sample had actually saved any money in those accounts. (Photo: Shutterstock)

High-deductible health plans are supposed to encourage consumers to shop around for cheaper health care services or put money away to pay for what they need. But it’s not working that way, according to a new study published in JAMA Internal Medicine by a team from the University of Michigan Institute for Healthcare Policy and Innovation.

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