title: Commentary--Looking at the effects of consumer-centric health plans on expenditures and utilization.
authors.affiliation: Humana Inc., 500 W. Main Street, Louisville, KY 40202, USA.
authors.forename: John
authors.initials: J
authors.lastname: Bertko
mesh_terms: D003258:Consumer Behavior / Q000191:economics* / Q000706:statistics & numerical data; D003669:Deductibles and Coinsurance / Q000706:statistics & numerical data*; D006264:Health Benefit Plans, Employee / Q000191:economics* / Q000592:standards; D006279:Health Maintenance Organizations / Q000191:economics / Q000706:statistics & numerical data; D006301:Health Services Needs and Demand; D006801:Humans; D015273:Insurance Selection Bias; D008329:Managed Care Programs / Q000191:economics / Q000592:standards / Q000706:statistics & numerical data*; D020402:Medical Savings Accounts / Q000191:economics / Q000592:standards / Q000706:statistics & numerical data*; D011243:Preferred Provider Organizations / Q000191:economics / Q000706:statistics & numerical data; D012959:Socioeconomic Factors; D013997:Time Factors; D014481:United States