From an Insurance / HMO company near you

TwinCities.com - Healthy? Insurers have deal for you
Article on high deductibles latest spin. A carrot for the young healthy employees and high cost for the old and ailing. I hope the disability and senior groups get an attorney and sue them for discrimination.
"Employers are expected to see savings of up to 20 percent in the first year by switching to a high-deductible plan in which the premiums are less expensive. Eventually, they are expected to save money as people get healthier and submit fewer claims."
They neglect to mention that they save money also as employees die or are force by health and finances to quit the job and go on welfare. A short sighted aspect, for purely profit margin reasons, is that due to demographics we will see shortages of available people to fill jobs. So in the long run the employer will be cutting off his nose to spite his face. These short term tactics of insurance companies and politicians just keep building the size of the problems to be faced.