title: Changing patterns in health benefits design.
mesh_terms: D003365:Costs and Cost Analysis; D003669:Deductibles and Coinsurance; D006279:Health Maintenance Organizations; D006801:Humans; D007348:Insurance, Health / Q000191:economics / Q000639:trends*; D011243:Preferred Provider Organizations; D014481:United States; D014600:Utilization Review