title: 'Benefits cycle' replacing premium cycle as consumerism takes hold.
abstract: The traditional premium cycle of ups and downs in rates is giving way to a new phenomenon--driven by the advent of consumerism in health care--termed the "benefits cycle" by one consultant. Rather than shifts in rates, he argues, the future will see shifts in benefits packages.
mesh_terms: D003258:Consumer Behavior / Q000191:economics*; D005249:Fees and Charges / Q000639:trends*; D006801:Humans; D007342:Insurance Benefits / Q000639:trends*; D007348:Insurance, Health / Q000191:economics*; D017008:Negotiating; D014481:United States