Workers whose employers gave them a lump sum to buy their own health insurance on a private exchange showed greater interest in higher-deductible plans, according to Aon Hewitt. Enrollment in preferred provider organizations dropped from 70% to 47%, while enrollment in consumer-directed plans rose to 39% from 12% in 2012. "When people are spending their own money, they tend to be more consumeristic," said Ken Sperling of Aon Hewitt.

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