Cost-Containment

But that doesn't mean employers with many high-risk employees are getting price breaks.

"Today, we take clear and decisive action to confront our nation's mental health crisis by addressing the overuse of psychiatric medications -- especially among children," he said last week.

The case could hinge on the details in a self-funded health plan's master services agreement.

A "hospital bill" would have to show whether the care was delivered on the main campus or at an outpatient facility.

More than 4 in 10 say affordability already has caused them to delay care, skip medication or put off a health decision in the past year.

The research shows that the barrier to health often is relatively small -- typically less than $1,500.