"As the clock ticks down to the start of a U.S. healthcare overhaul, companies from device makers to hospital chains have been surprised to see Americans make even fewer trips to the doctor's office.... Part of the reason is that employers are shifting more of the insurance benefits they offer to so-called high-deductible plans, requiring employees to pay more for their medical care upfront, to buffer new costs they face under 'Obamacare'."  MORE >>