With health care expenditures growing far more rapidly thanthe economy, employers and the health insurers whose plans employerspurchase are implementing new ways to reconcile the strong demandfor medical services with the means to pay for them. The changesfall short of a grand strategy, but they do underscore the emergenceof a set of beliefs that will influence the shape of privateinsurance for the foreseeable future. Their centerpiece is aconviction that individual consumers of health care should assumegreater financial responsibility for the decisions they makewhen selecting insurance benefits and seeking medical treatment.Central . . . [Full Text of this Article]
The Status of Insurance Coverage
Employers' Concerns about Health Care Spending
The Return of Cost Sharing
Tiered Benefits
In Search of a New Balance between Employers and Employees
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