What are the advantages and disadvantages of a high-deductible/consumer-driven health plan?

Many of the available consumer-driven healthcare plans (whether they are spending-account or tiered-model plans) are now categorized as high-deductible health plans. These plans are currently the fastest growing plan options on the market, growing over 25% in the past decade. Although they are low in cost, members’ willingness to access care in a high-deductible environment have brought about valid quality of care and access to care concerns.