In response to federal policy and service requirements, health insurance plans are increasingly developing high-deductible insurance policies and narrow networks.

These types of policies require the consumer to pay more out of pocket. To portray this in a positive light, this trend has been labeled as "consumer-based" to suggest that the consumer must pay more from their own funds, and thus, encourage consumers to make better health care choices. On the other hand, this could be labeled as a burden on the consumer.

Write a 350-word article that identifies and evaluates the impact that federal or state health care policies have on consumer costs. Explore both positive and negative effects.

Cite 3 reputable references to support your assignment (e.g., trade or industry publications, government or agency websites, scholarly works, or other sources of similar quality).