The evidence presented above is compelling. With carefully designed MSAs, people are more likely to:

• Spend less on prescription drugs,

• Use generic equivalents of branded drugs, and

• Contain their own costs on discretionary items while not skimping on necessary medical care.

"Patients do not skimp on care that is necessary for their future health."

The astounding growth of MSAs in South Africa is the clearest endorsement of the success of these products. When Medical Savings Account plans are based on both extensive clinical knowledge and experience of utilization patterns, they are the most appropriate and sustainable way of financing private health care.

NOTE: Nothing written here should be construed as necessarily reflecting the views of the National Center for Policy Analysis or as an attempt to aid or hinder the passage of any bill before Congress.