Here is Aetna’s 8^th  annual  HealthFund study.  It is packed with interesting findings which support the notion that groups want to efficiently finance their health plans using platforms that complement their strategic objectives.  Aetna’s Health Fund portfolios clearly support tactics which change and guide employee behavior modification.  More importantly the study points to healthcare cost reductions of 11%!  The study looks at 2.3 million members and highlights superior routine and preventive care utilization, better disease management and care coordination, higher generic utilization and generally higher on line tool utilization.  The products are helping to create better informed consumers. This is some excellent evidence to support consumer directed strategies and tactics.     Jeff