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Consumer-Driven Health Insurance Gains Momentum
insure.com 
Jan. 29, 2002
Excerpt: Under a consumer-driven approach, your employer still contracts with insurers for group health insurance and still retains some measure of control over your health insurance purchasing decisions. What these plans do is give you more choice in terms of benefit levels-- you choose your own deductible-- and you can see any doctor you want without a referral. However, the plans also increase your share of the costs and risks.
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