Many school, local and state governemnts are switching their health care employee coverage to a Health Savings Account (HSA) model. With an HSA healthy employees have no out of pocket expense and if you are ill you have 100% coverage after a deductible. The HSA model has saved the state of Indiana as much as 35% on their premiums for employees and there has been an in depth study showing that workers received the same quality health care they would of received with their old coverage. Here is a link to the study: http://www.in.gov/spd/files/CDHP_case_study.pdf