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Consumer-Directed Health Plans

Plans that aim to increase consumer awareness and knowledge of healthcare costs with plan benefit design that encourages shopping around. These plans generally have a high deductible and include a health savings account (HSA) or health reimbursement account (HRA).

Medicaid Crowd-Out

When the availability of Medicaid hurts the market for other insurance products. Generally refers to Medicaid crowding out the long-term care insurance market.