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Obamacare Threatens Health Care Cost Containment
The Heritage Foundation 
[Opinion] Dec. 3, 2012
"Employers' health benefit cost growth had the smallest increase in 15 years -- only 4.1 percent in 2012 compared to 6.1 percent in 2011 ... The lower-than-usual increase in costs is attributed, in part, to increased usage of consumer-directed health plans (CDHP).... It will be difficult for CDHPs to meet the MLR requirement, because they have lower premiums, which reduces their total revenue.... Obamacare's hindrance of these plans comes in the face of their growing popularity and cost containment."
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