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Man and woman speaking with doctor There is still unrealized opportunity to use value-based insurance design to impact the utilization of a wider array of high value, and low value, clinical services. (Photo: Shutterstock)

Do consumers really value items that cost money more than those that are free? One leading benefit design strategy hopes that when it comes to essential health care services, the answer is no. Value-based insurance design (VBID) removes or lowers financial barriers to high-value clinical services in hopes that this will make consumers more likely to seek them.

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