"[1] Choice Fund customers increase their compliance with recommended care in the second year, even more than in the first year; [2] They improve their health-risk status by six percent; [3] Medical cost trend goes down 12 percent versus traditional plans; [4] The improvement persists over time, up to $7.900 savings by fifth year; [5] The improvement occurs in low-risk, medium-risk, and high-risk patients; and [6] Because employers contribute to HSAs and HRAs, employees spend less money out of pocket than peers in traditional plans!"