It might ring like some kind of campaign rhetoric you might hear on the stump in a battleground state like Ohio, but it's true: Even though they're barely 11 years old, consumer driven health plans are our future.

It's the only sustainable alternative to the wasteful, carefree and ultimately just too expensive system we've been operating under for decades.

Don't take my word for it, look around. Just last week, we ran not one, but two, stories about record HSA growth at separate financial institutions. It seems to be the only good news you hear about from banks these days.

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