Every test, office visit, prescription or surgery has a price, source, expected value and anticipated result - just like any other type of purchase you make as a consumer. So it's important to think like a consumer and make smart choices about the medical procedures, health care services and prescriptions you buy.

Consumer-directed health plans are specifically designed to help you play a greater role in managing your care and health care purchases. These types of plans typically give you lower monthly premium costs - and workplace contributions - in exchange for a higher deductible amount. Then a Health Savings Account (HSA) or a Health Reimbursement Account (HRA) helps you plan for and meet the increased deductible and other out-of-pocket costs.