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There’s little doubt that consumer-driven health plans (CDHPs) are gaining in popularity, on the premise that such high-deductible plans can offer employers significant cost savings over traditional health care models. Trouble is, those savings may take years to materialize. “CDHPs are perhaps at a tipping point,” says Richard Ostuw, an Employee Benefit Research Institute (EBRI) fellow. “The level of enrollment has grown significantly relative to previous years, but is still modest in absolute terms.” That suggests skepticism by workers and employers, he says.

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