Kathy McAleer

The issues have been framed brilliantly, debated enthusiastically and examined closely. While it might not resemble the California Gold Rush, employers that implement wellness programs can still find significant rewards.

It's not the fig leaf that some would advocate for a fragmented healthcare system. But even though the jury appears deadlocked about the value of the health savings account (HSA), the movement toward consumer-directed healthcare (CDHC) is accelerating. In the midst of this fracas there is good news for the savvy healthcare consumer: The tax incentives for HSAs are compelling.

The New York Times reports that patients in New York City often have trouble securing a reimbursement for a $75 visit to the nutritionist, who counsels them on controlling their diabetes.

Much of the buzz in consumer-driven healthcare centers on the gaining momentum of health savings accounts (HSAs). Consumers currently are focused on reducing their premiums, making HSAs popular because they offer an acceptable response to the rising premium cost. However, as HSA balances increase, the focus will shift to investment options, returns and associated fees, so as the CDHC market evolves, you will need to service two groups—spenders and savers.

As healthcare costs continue to spiral, the search for solutions is reaching a frantic pace. My experiences over the years have led me to believe that while Consumer- Directed Healthcare (CDHC) has entered the mainstream lexicon, it is far from understood.