The McKinsey Quarterly: Health savings accounts: Making patients better consumers

The McKinsey Quarterly: Health savings accounts: Making patients better consumers: "After several consecutive years of double-digit premium increases, employer-sponsored health insurance is again coming under intense scrutiny in the United States. But a remedy might be emerging in the form of consumer-driven health plans. This new type of insurance combines a high-deductible policy1 with a tax-exempt health savings account (HSA) and gives consumers more responsibility for managing their spending on health care.2 Early results suggest that these plans could slow the rise in costs by lowering demand and prompt hospitals and other medical professionals to improve the quality of care."