"An actuarial analysis ... found that prefunding personal accounts and coupling them with high-deductible plans would save Medicare an estimated $2.4 trillion annually by 2053 compared to the status quo. Of this amount: An estimated one-fifth ($434 billion) would come from better incentives that reduce the rate of health care inflation (that is, the medical trend rate). An estimated one-third of the savings ($787 billion) would come from reduced use of benefits by seniors. An estimated one-quarter ($651 billion) would come from increased cost-sharing by seniors."