Very true Pallav and incentives are coming in the for of carrot (save money when you shop) and stick (High deductibles). I think we agree that before the consum

Very true Pallav and incentives are coming in the for of carrot (save money when you shop) and stick (High deductibles). I think we agree that before the consumer gets involved, nothing will happen to improve the system. One difficulty with these incentives is that it calls for new behavior and a minimum of understanding of how Healthcare work. I believe that the stick will finally win to get consumers to move.