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Since inception, the consumer-driven health care (CDH) movement has steadily gained momentum, as evidenced by the rate at which employers offer CDH plans and the volume of assets that are invested in tax-advantaged accounts like health savings accounts (HSAs), flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs). But although all indicators trend up, growth has not kept pace with rapidly shifting market forces that threaten the future of CDH.

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