Table 9

Table 9: Results of each Medical Savings Account plan when all Americans (except the elderly and those in institutions) adopt it (family averages)

Plan	Average spending per family (1996 $US)	Percent change in spending (relative to ffs and HMO plans)	Percent of families spending more than the deductible
Fee-for-service	5,414	---	10
Health maintenance organization (HMO)	5,414	---	0
Medical savings account (MSA)
Employee-funded low deductible family plan ($3,000 deductible)	5,437	0	37
Employer-funded low deductible family plan ($3,000 deductible)	5,065	0	37
Employee-funded high deductible plan ($5,000 deductible)	5,061	-7	23
Employer-funded high deductible plan ($5,000 deductible)	4,729	-13	20