Guide on a path Given the complicated nature of modern health care, and the ramifications of poor decisions, how can brokers and employers help members to make the best decisions possible? (Photo: Shutterstock)

In recent years, the rise of the high-deductible health plan (HDHP) and health saving account (HSA) plan design has resulted in a shift in accountability from employers to members when making health care decisions. And there's little reason to think this trend will change any time soon. Given the complicated nature of modern health care, and the ramifications of poor decisions, how can brokers and employers help members to make the best decisions possible?

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Consumer Driven Health Care
Cost-Containment
Employee Participation