"[E]mployers continue to embrace CDHPs and wellness as long-term cost control strategies.... New options that may become available to the middle market include: Accountable care organizations (ACOs),... Patient-centered medical homes... Reference-based pricing ... [An] employer may offer telemedicine with a low copay, or no copay at all....[S]ome employers are structuring cost-sharing to steer members to outpatient facilities, stand-alone imaging centers and other less costly treatment venues."

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