For healthcare consumerism to work, patients need to research and compare healthcare costs. The idea is that Americans shopping for the most cost-effective care will lower costs. Out-of-pocket spending for U.S. patients rose 41% from 2010 to 2014, mostly because of the proliferation of high-deductible health plans, according to the authors. One-third of Americans with employer-based health insurance are on a high-deductible plan.
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