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Managed Care July 2007 Lola Butcher	Consumer-Directed Plans Fall Short of Expectation As the consumer-directed health plan design approaches its seventh year in the marketplace, some wonder if it will ever be more than a niche product.
Managed Care September 2003 MargaretAnn Cross	Consumer-Directed Health Care: Too Good To Be True? People talk about it as the sure way to control costs and give consumers the choice they seem to want. Are we being realistic?
Managed Care June 2005 MargaretAnn Cross	Consumer-Directed and Home-Brewed Regional health plans and small HMOs coming late to the consumer-directed health plan market haven't missed out -- yet.
Managed Care March 2004 MargaretAnn Cross	Consumer-Directed Plans Begin Measuring Patient Satisfaction Initial results are promising. Employees turn toward preventive medicine and away from expensive drug therapies.
CFO February 22, 2005 Joseph McCafferty	Attention Shoppers Consumer-driven health plans are catching on quickly, but are they the answer to runaway medical costs?
BusinessWeek November 8, 2004 Howard Gleckman	How Will The Plans Work? Here are some quick questions and answers about the alphabet soup of health insurance and medical accounts.
Managed Care February 2008 Lola Butcher	Wellness Programs: No Longer Just an Add-On In the face of stiff competition from a growing category of dedicated wellness companies, major health plans are launching sophisticated, ambitious programs to slake employers' thirst for these products
Managed Care September 2003 Martin Sipkoff	This Isn't the First Attempt To Shift Cost to Employees Companies are decreasing their share of medical insurance premiums. It remains to be seen how this will affect workers' health status.
Managed Care July 2006 Martin Sipkoff	Employers' Stock in Wellness Rises With No End in Sight Formerly, insurers used to devise new products and processes to attract purchasers. Now more and more employers are going to the plans and insisting on preventive care.
Managed Care March 2008 Frank Diamond	Humana's Multi-Year Pacts Could Be Attractive to Customers Health plan offers different cost guarantees in its No Worry and SmartResults consumer-directed programs
The Motley Fool September 13, 2006 Dan Caplinger	The Dark Side of HSAs The combination of tax-deductible savings, tax-free income and withdrawals, and lower insurance premiums make the health savings account provisions extremely attractive. However, HSAs aren't right for everyone.
Managed Care January 2006	Managed Care Outlook Two surveys point to growth for consumer-directed health plans.
Entrepreneur January 2005 Joan Szabo	Tax-Free Bill of Health Tax-advantaged health-care spending accounts are proliferating and that means more opportunities to save on taxes as well as more ways for businesses to help pay for health costs. Here's a look at how each one stacks up.
Managed Care August 2007	Consumer-Directed Health Plans: Built to Last or Designed to Fail? A point-counterpoint debate about the effect of CDHPs on overall health and health care costs.
Managed Care January 2007	Consumer-Directed Drive Loses Steam Enrollment growth in consumer-directed or high-deductible health plans stalled last year, according to a survey by the Employee Benefit Research Institute and the Commonwealth Fund.
Managed Care November 2007 MargaretAnn Cross	The Evolving Health Plan The consumer-directed health care model isn't taking the country by storm, but its innovations are influencing other coverage designs.
Managed Care September 2004	Employers Offer 'Consumer' Plans with Trepidation There is concern that these plans will primarily attract healthier and higher-income individuals, leaving sicker and lower-wage employees in higher-cost alternatives.
Managed Care August 2004	Humana Thinks Premium Cap Sets Plan Apart The health plan hopes to gain a competitive edge by joining two important components of today's insurance -- consumer-directed health plans and information technology -- with a rare cap on premium hikes.
Managed Care February 2006 Lola Butcher	Consumer-Directed Health Pains Two studies suggest that consumer-directed health care may not be a long-term method for controlling health care costs.
Managed Care October 2007 Lola Butcher	Workers Fail To Exploit Health Savings Accounts HSAs offer an easy way to save money, have it grow, and not be taxed when it is withdrawn. Why don't more people take advantage of this?
Insurance & Technology September 5, 2006 Maria Woehr	Healthy Options The Principal Financial Group is pushing competition in consumer-driven healthcare with an integrated health reimbursement arrangement and health savings account product.
Financial Planning January 1, 2005 Kevin J. Delaere	Healthy Advice Both clients and financial advisers should consider health and medical savings accounts as a vital part of an investment plan.
BusinessWeek November 8, 2004 Gleckman & Woellert	Your New Health Plan Health savings accounts, like 401(k)s, will give employees more choices -- but also a greater share of the costs
CFO August 1, 2003 Joseph McCafferty	Heal Thyself Consumer-directed health care is hot. But is it a danger to the medical-insurance system?
CFO February 1, 2008 Randy Myers	Rethinking Health Care Can more employee choice actually lower costs?
Managed Care March 2004 John Carroll	Health Savings Accounts Ready To Enter the Market Federal backing aligns with market pressure to create an irresistible force. However, health plans need to be aware of some troubling issues.
Bank Technology News January 2006 Glen Fest	Health Savings Accounts: HSAs Interest FIs, If Not Consumers So far, consumer adoption hasn't been as robust as many hoped. But that hasn't stopped financial firms and technology companies from pursuing business in the sector.
BusinessWeek October 24, 2005 Lauren Young	A Bad Case Of Sticker Shock Next year's health benefits will cause you to say "Ouch!" Here's what the most important changes will look like - and how painful they'll be.
Managed Care May 2005 MargaretAnn Cross	Are Consumers Really Directing Their Own Care? In theory, consumer-directed health plans put the reins of decision making into the hands of their members. But medical management departments are alive and well inside CDHPs -- and may even expand under these plan designs.
Financial Planning April 1, 2007 Donald Jay Korn	Healthy, Wealthy and Wise As more and more affluent clients start managing their medical costs, financial advisors may be asked to provide a second opinion on the choices.
Managed Care September 2007 John Carroll	Do Out-of-Pocket Payments Put Preventive Care on Hold? Studies by Cigna and Humana challenge some long-held assumptions about high-deductible plans.
Managed Care July 2007	Meet the Consumer-Directed HMO Health Net of California, taking advantage of the strengths of California's managed care market, is launching a hybrid product called OptimizerHMO.
Managed Care December 2004 MargaretAnn Cross	When Your Employees Are Your Focus Group It can be a tough sell when a health care company has a promising but untested new plan design. Here's a way around that problem.
Registered Rep. October 22, 2012 Kevin McKinley	Giving Working Clients a Health Insurance Checkup As health care has taken center stage in the national debate, one of clients' biggest concerns is how to handle their ever-increasing and always-confusing health insurance and health care costs.
Managed Care October 2005 Martin Sipkoff	The Lure of Tax Reform Politicians on both sides of the aisle are considering tax reforms as a way of fixing the health care system. What might it mean for health plans?
The Motley Fool September 6, 2011 Dan Caplinger	Make Your Job Work Harder for You You need to make the most of what employee benefits your employer gives you.
U.S. Banker October 2006 Lee Conrad	Consumer Snag: How to Make Account Openings Easier Most banks are not sufficiently integrated with health plans to make the process of creating an health savings account a convenient experience for customers. But that can change.
IndustryWeek October 19, 2011	Health Care Reform: Time For a Checkup? Don't be fooled by a lull in the rollout of provisions. Now is the time to shape your health care benefits strategy.
Managed Care March 2005 John Carroll	HSAs: Early Returns Are In A significant number of consultants, insurers, politicians, and, oh yes, the companies that purchase health care are increasing their interest in health savings accounts.
Managed Care July 2005 MargaretAnn Cross	Momentum Shifts Toward Consumer-Directed Plans Looking at past enrollment shifts and at the evolution of managed care can shed light on how to compete in the new market for account-based consumer-directed care.
Financial Advisor October 2005 O'Donnell & Maher	Health Savings Accounts: To Have And To Hold Offering deductibility, tax-free growth, unpenalized carryovers from year to year, tax-free withdrawals and portability, a health savings account (HSA) is a financial planning tool that needs to be considered by advisers.
The Motley Fool July 30, 2004 Roy Lewis	Accounts Ease Medical Costs The new health savings accounts help ease the burden of high-deductible medical policies.
Managed Care October 2007	CDHPs Aren't Catching On Despite the extensive attention paid to consumer-directed health plans, a survey conducted by the Kaiser Family Foundation shows that these types of plan arrangements have made only small inroads in the employer market.
Managed Care November 2006 John Carroll	Health Savings Accounts Face an Uncertain Future Despite an array of economically and politically strong advocates, a bill to beef up health savings accounts has stirred significant opposition
Entrepreneur June 2006 Mark Henricks	What's Up, Doc? Inflated health insurance prices are putting the squeeze on your budget, but are consumer-directed plans the way to go?
Managed Care July 2005 Tony Berberabe	Change in Thinking For Pharmacy Benefits in CDHP The difference between the pharmacy benefit in a consumer-directed health plan and a traditional health plan is greater generic drug utilization.
Managed Care February 2007	HSA Reform Allows Increased Contributions Contribution guidelines under the recently passed Tax Relief and Health Care Act of 2006.
The Motley Fool November 3, 2010 Dan Caplinger	Your Answer to Skyrocketing Health Costs Health savings accounts are worth a closer look.
Managed Care November 2005 MargaretAnn Cross	Health Plans by Design, Not by Default Fortune 500 employers are ready to shed old benefit models for "managed consumerism".
Financial Planning April 1, 2006 Donald Jay Korn	HSAs Determining how to procure vital health insurance without breaking clients' bankbooks has become a challenge for financial planners. Are these low-priced insurance plans the new prescription for rising healthcare costs?