Looking for a way to reduce Healthcare Costs? Try Consumer-driven health insurance plans. Organizations that choose Cigna's consumer-directed health plans have medical costs that are 13% lower during the first year than traditional plans. Costs were 20% lower for HSA customers, and 11% lower for HRA participants. These plans can offer big savings to clients without shifting costs to customers. Learn more about how you can save money through Cigna's study on clients part of their own Consumer driven health insurance plan—Cigna Choice Fund® or take a look at how  State of Georgia: State Health Benefit Plan (SHBP) saved $6.7 million dollars in just the first three quarters of 2011 when they switched to a Consumer driven health insurance plan and added in incentives.