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Will Consumer-Directed Health Care Improve System Performance? (PDF)
The Commonwealth Fund 
Aug. 20, 2004
4 pages. Excerpt: Consumer-directed health care plans have attracted attention as a method for managing rising health care spending by giving consumers greater financial control over their health care. However, increased cost-sharing the principal tool used by these plans to achieve lower spending--may also cause patients to consume less care, even when that care is essential.
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