Brokers: Is it safe to say that,given the tremendous growth of high deductible health plans (HDHPs)that are paired with health savings account (HSAs), many of yourclients have adopted these health care plans for theirorganizations hoping that their employees see that value in theirflexibility?

And benefits managers: How was implementing the HDHP with an HSAplan? Did employees adopt the plan with excitement, or was thereangst or resistance because it was something new, different, andscary?

Our guess is the change resulted in mixed results. As more andmore employers offer HDHPs paired with HSAs, there is a perceptionamong employees that you can no longer have a quality health careplan that is also affordable. Employees falsely believe that youneed to compromise one for the other. Because of thisbelief, employees continue to be confused about HDHPs and HSAs andhow to effectively use them.