
Health plans should be using data, digital tools and human support to identify potential disruptions early, and whether a member is changing plans or managing a new health condition, the experience should feel guided rather than overwhelming.
Recent legislation and regulations are encouraging payers and health plans to offer individuals more coverage options under the "consumer-directed health plan" label. Last year's Medicare Modernization Act (MMA) expanded tax breaks that make health savings accounts (HSAs) more attractive.







