Why should this thread be closed? I think it is an interesting article. My company is in the process of switching from PPO/HMO to a "Consumer Driven Health Plan," where the employee pays lower premiums, deposits money into a Health Savings Account, and has to pay for medical services out of the account until a pretty high deductible is met. Whatever money isn't spent rolls over to the next year. It seems like CDHPs will encourage consumers to pay more attention to the actual cost of health care. I'm not sure if I'm a fan of them personally, but maybe they are a step in the right direction?