`Investigate all of your traditional and consumer directed health plan options. Many companies are easing into consumer directed plans by offering them as part of a "dual choice" programOut of network benefits. If your PPO network has adequate access to network providers, plan designs that strongly encourage the use of preferred providers save premium and claim dollars while the insured still gets the needed care at a discounted rate

If you do not have time to personally handle the suggestions made above, consider enlisting the services of an independent insurance broker that specializes in designing and evaluating health plan options. A good insurance broker should be able to save you time, money, and ultimately serve as a trusted resource for plan recommendations now and in the Consumerism. Access to the tools necessary to be a “good” healthcare consumer will allow individuals to get the best care at the best price.