The intent is that participants will become more cost-conscious and careful about overpayment or overutilization.

WSJ: Mitch Daniels: Hoosiers and Health Savings Accounts

The current fee-for-service system is blamed for overutilization and overpaying for certain intense therapies provided by specialists, and underpaying for primary and preventive care.

FORBES: Names You Need to Know in 2011: Richard Gilfillan

Vachon says the instances of overutilization are exaggerated.

FORBES: Magazine Article

There is overutilization here, pure and simple.

NEWYORKER: The Cost Conundrum