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Consumer-Directed Health Plans: One Observer's Perspective on One Employer's Experience
Altarum Institute 
[Opinion] Sept. 25, 2014
"Altarum's total costs per employee increased by 5.6% between 2011 and 2012 ... The estimated cost increase would have been approximately 6.5% for an indemnity plan.... [T]he price tools are at times helpful but frequently cumbersome and provide only partial information. The quality comparison tools are of little or no value, though that can vary by geographic region. Determining whether a service is covered and the expected copay or deductible remains a challenge just as before."
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