Traditionally, employees have been offered calculators to help them determine how much they might need to set aside in an HSA or FSA, but little has been done to help them manage other financing solutions.

Much has been written about the rise of health care consumerism, which has been driven in large part by e-commerce, telehealth, and digital payments. This trend further accelerated in the last two years as COVID-19 (Coronavirus) led financially challenged Americans to aggressively comparison shop for health care.

Less discussed is the reality that many patients didn’t become discerning health care consumers willingly. Instead, they realized they needed to be more active in their own care as out-of-pocket health expenses for Americans continued to climb, now surpassing $400 billion annually.

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