Consumer directed health care -- that is, encouraging the patient to take a more proactive role in health care decisions -- has been a recurring theme here at IB. While there are still some kinks to work out (including more powerful, user-friendly tools), the basic idea remains valid: by giving insureds financial incentives to be more efficient health care consumers, and the resources to make appropriate decisions, the cost of delivering health care (and thus the costs of insurance) will be more easily controlled.
And we stand by that.
On the other hand, too much of a good thing (even consumer empowerment) isn't necessarily helpful:
Needless to say, we would encourage more careful management of health care decisions. As Mr Angus might say, "that's no bull."
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