Consumer$-$driven health care:

$1.$

Is a term that describes the combination of health and auto insurance

$2.$

Shifts financial decision making to consumers through higher deductibles and the ability to retain unspent funds in consumer accounts

$3.$

Is based on the belief that consumer input into their healthcare decisions is unimportant

$4.$

Usually results in lower out$-$of$-$pocket costs than other plan designs