Kaiser Family Foundation Employer Health Benefits Survey. (2006). Available at www.kff.org/insurance/7527/index.cfm
2.
Parente, S., Feldman, R., & Christianson, J. (2004). Evaluation of the effect of a consumer-driven health plan on medical care expenditures and utilization . Health Services Research, 39, 1189-1210.
3.
Marchetta, M. , & Rogal, D. (2005). Health savings accounts as a tool for market change. Changes in Health Care Financing and Organization, 4, 3-7.
4.
America's Health Insurance Plans. (2006). Small group health insurance in 2006. Available at www.ahipresearch.org/pdfs/FINALSmallGroupPaper.pdf
5.
Kaiser Family Foundation Employer Health Benefits Survey. (2005). Available online at www.kff.org/insurance/7315.cfm
6.
America's Health Insurance Plans (2006).
7.
America's Health Insurance Plans (2006).
8.
Blue Cross Blue Shield Association. (2005). Health savings accounts: A consumer perspective. Available at www.bcbsdev.com/events/index1.html
9.
Freudenheim, M. (2001, December 5). Anew health plan may raise expenses for sickest workers. New York Times . Available at http://query.nytimes.com/gst/fullpage.html?sec=health&res=950CE4D8173CF936A35751C1A9679C8B63
10.
Employee Benefits Research Institute. (2005). The EBRI / Commonwealth fund consumerism in health care survey. Available at www.cmwf.org/surveys/surveysshow.htm?id=326793
11.
Ehealthinsurance. (2006). Health savings accounts: The first 6 months of 2005. Available at www.ehealthinsurance.com/content/ReportNew/072705HSA6mosReportfinal.pdf
12.
Employee Benefits Research Institute. (2005).
13.
U.S. Department of Labor, Bureau of Labor Statistics. (2005). National Compensation Survey. Available at http://www.bls.gov/ncs/ebs/sp//ebsm0004.pdf
14.
The three surveys included in Exhibit 1 are The Kaiser Family Foundation Survey (2005), America's Health Insurance Plans (2005) and the U.S. Department of Labor's Bureau of Labor Statistics National Compensation Survey (2005 ).
15.
McKinsey & Company. ( 2005). Consumer-directed health plan report: Early evidence is promising. Available at www.mckinsey.com/clientservice/payorprovider/Health_Plan_Report.pdf
16.
National Center for Chronic Disease Prevention and Health Promotion. (2005). Chronic disease and prevention. Available at http://www.cdc.gov/nccdphp.overview.htm#2
17.
Definity Health Insurance. ( 2006). Transforming healthcare: One person at a time. Available at http://www.galen.org/fileuploads/Definity_Health.pdf
