"Consumer-driven medical spending may be the second-biggest story in health care, after the [ACA]. As employers give workers more 'skin in the game' through higher costs from purse and paycheck, the thinking goes, they'll seek more efficient treatment and hold down overall spending. ... Despite rapid growth in high-deductible health plans and rising employee contributions for insurance premiums, consumers' share of national health spending continued to fall in 2011, slipping to its lowest level in decades."

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