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Health Payer Intelligence: Pros and Cons of High Cost Sharing for Employer Health Plans

 By Thomas Beaton

Employer-sponsored health plans that include high cost sharing expectations can help control spending for plan sponsors, but could create longer-term health risks for employee beneficiaries.

Striking the right balance between lowering costs and enabling healthy decision-making can be a challenge for employers and payers looking to design cost-effective plans.

How can plan sponsors leverage the positive features of high deductibles and equitable cost sharing without tempting beneficiaries on a budget to forego recommended care?