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Conservative - Health Savings accounts. The patient pays out of an account self funded or funded by the employer of about $2000/year, enough for routine medical care. High deductible insurance is used for catastrophic problems.

    Benefits. Reduced costs, because (1) patient is in charge of decisions and (2) competition. More patient choice. Motivation for healthier lifestyle.

man with pile of money    Problems. These are very good for the healthy, but the chronically ill will need to spend the high deductibles each year, and thus pay disproportionately more. To some extent, this is good to provide motivation for healthier lifestyles, but some chronic conditions are hereditary. Businesses are already adopting HSA plans, but to save costs and thus they put more costs on the employees.



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