A McKinsey & Company report dated June, 2005, indicated that those with a CDHC policy component to their Health Care Plan were 50% more likely to ask about costs, 3 times as likely to choose the less expensive option, 25% more likely to have a healthy lifestyle, and 30% more likely to get an annual examination.

For a more detailed discussion read FSA, HSA, and HRA Plans which including HIA plans are all versions of this general category of Health Insurance policies.