Wallet, cash bills and stethoscope Adjusting deductibles in areas such as mental health could reduce the risk of creating disincentives to care. (Photo: Shutterstock)

New research on high-deductible health plans (HDHPs) has found that they do result in more cost-conscious decisions from enrollees and save money for their employer-sponsored health plans—but at the same time may be discouraging enrollees from utilizing care.

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