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In response to federal policy and service requirements, health insurance plans are increasingly developing high-deductible insurance policies and narrow networks. These types of policies require the consumer to pay more out of pocket. To portray this in a positive light, this trend has been labeled as "consumer-based" to suggest that the consumer must pay more from their own funds, and thus, encourage consumers to make better health care choices. On the other hand, this could be labeled as a burden on the consumer.


Write a 350-word article that identifies and evaluates the impact that federal or state health care policies have on consumer costs. Explore both positive and negative effects.


Cite3 reputable references to support your assignment (e.g., trade or industry publications, government or agency websites, scholarly works, or other sources of similar quality).


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