Behavior change may very well be one of the keys to true health care reform. Given the proper market environment, American consumers will respond accordingly and adapt.

For example, we have reduced our debt to disposable income significantly over the last several years in response to the economic environment. But behavior change is hard - tried dieting, a new exercise regimen, or quitting smoking? One area of potential behavior change is how we, as consumers, utilize our health insurance. I'm a consumer too and the following is a personal example that I believe highlights an area for behavioral change.

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