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HSAs are gaining in popularity as employers and insurers see them as viable options for shifting the cost of care back to patients. Do you

HSAs are gaining in popularity as employers and insurers see them as viable options for shifting the cost of care back to patients. Do you believe that HDHP/HSA plans will change the health and doctor-vising habits of individuals? What about people's habits of contributing to fund their own HSA? What do you see as the advantages? The disadvantages?

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