Consumer-Driven Healthcare Plans

Many of the available consumer-driven healthcare plans (whether they are spending-account or tiered-model plans) are now categorized as high-deductible health plans. These plans are currently the fastest growing plan options on the market, growing over 25% in the past decade. Although they are low in cost, members’ willingness to access care in a high-deductible environment have brought about valid quality of care and access to care concerns.
What are the advantages and disadvantages of a high-deductible/consumer-driven health plan? How would you best explain these points to your employees if your organization were changing to this type of coverage? Explain these items in a 200-word peer-reviewed source supported analysis (vs. posting opinions). Remember to use in-text citations in your post.