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Lessons from the Evolution of 401(k) Retirement Plans for Increased Consumerism in Health Care: An Application of Behavioral Research (PDF)
Employee Benefit Research Institute [EBRI] 
Aug. 12, 2008
28 pages. Excerpt: Retirement and health benefits following a similar evolution: The private sector's shift away from 'traditional' company-financed pension plans toward individual 401(k) accounts illustrates how benefit decision-making and responsibility have shifted from the employer to the worker. The current trend in health care design toward 'consumer-driven' health plans illustrates the same trend with health benefits.
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