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This is a very concerning trend. It is hard enough to select health insurance options from 2-3 different products negotiated by an employer. Without bargaining power built in to the choices, people will be looking at the bottom line. The insurance products are not easy to sort out as to what the services covered are and how much they cost. Less expensive plans may omit covering things that are very important. This could lead to people delaying health care visits, trying to negotiate critical aspects of care because of prices, and facing worsening chronic health conditions and increased costs. Wellness care and screening exams to assure one is healthy may not even be included. Asking people to decide what coverage to get for themselves will not only increase expenditures outside of insurance premiums, but will also lead to unhealthy decision making from patients themselves as they try to save their hard earned money.