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It also encourages those who would otherwise be uninsured to buy a plan; as a result, they will be less susceptible to medical bankruptcy. The effects of bankruptcy can devastate a family

Will this expansive growth continue? There are some signs that it may not. The increase in the choice of consumer-directed insurance is significant, but far lower than the 44 percent jump in sales in 2008. Certain provisions of the healthcare reform law also make HSAs and high-deductible health insurance plans slightly less appealing.