title: Responding to consumer demand for choice, flexibility.
authors.forename: Mary
authors.initials: M
authors.lastname: Brainerd
mesh_terms: D003258:Consumer Behavior; D017046:Cost Savings; D017047:Cost Sharing; D003669:Deductibles and Coinsurance; D006264:Health Benefit Plans, Employee / Q000458:organization & administration*; D006801:Humans; D019458:Insurance Coverage; D008329:Managed Care Programs / Q000191:economics / Q000458:organization & administration*; D014481:United States