Empowering the individual is one positive outcome that could come from these account-based plans, but health insurers and businesses can't merely transfer more costs onto the employees through higher deductibles and copays and call it consumerism. Instead, what is needed are:
Large employers are right in being excited about the potential of account-based plans and small- and mid-sized companies should also explore those offerings. But it's also incumbent upon employers and insurers to create programs that reward people who are making the right choices, help educate those who are not, and not transfer so many health-related costs onto the individual. The last things that health insurers should want are people dropping their coverage or needing to file for bankruptcy because an insurer's plan is being used as a way to protect the employer and insurer from rising health costs.
That's exactly what health insurers can't allow to happen.