One of the biggest items being set into motion in the health insurance reform is creating a consumer- driven health care environment. Consumer-driven health insurance plans provide individuals the ability to take control of both their health and insurance. The idea is to educate individuals about their options, and create a health insurance market that allows individuals to compare plans, as well as force carriers to offer competitive prices.

With a HIA plan, a very prevalent policy with Anthem, individuals actually receive an annual allowance put into a Health Incentive Account. This money is to be spent in any manner you wish on covered health insurance expenses, and the money rolls over to the next year.

Read the full post on Health Incentive Accounts (HIA).