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Maximizing the Value of Consumer-Driven Health Plans (PDF)
Cigna Link to more items from this source
Sept. 10, 2015

"CDHPs have generally been found to be more effective than traditional plans in terms of reducing total medical cost, especially in the short term.... Total Medical Cost correlates more with plan design than plan type (HRA vs. HSA). Lower-income populations in a CDHP don't avoid care. Contributions to an HSA correlate more strongly than household income to better health management. People learn about their new CDHP at varying speeds[.]"

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