Consumer Directed Plans

•  When employees are empowered with the knowledge and tools to make good health care decisions, and

•  When they realize the financial consequences of those health care decisions:

•  They are more likely to use careful planning and healthy judgment when it comes to using their health care benefits.

•  They act like smart consumers again and again.

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Consumer Directed Plans

•  Pay providers for performance

•  Better care, better outcomes, better pay

•  More information for consumers

•  Tell consumers about the quality of various providers

•  Publish providers success rates

•  Provide consumers with much richer menu of options (customize the choice of plans)

  •  Baby boomers will demand change:

•  80% of costs incurred by people once they hit their mid-50s

(This group will not be denied what it wants.)