When high-deductible plans paired with health savings accounts were introduced in 2003, they were touted as a way to keep health care costs down by forcing people to manage their own spending. But as a number of early adopters have found - having one doesn't make you immune to double-digit premium increases each year. Josh Gruber - "as aggressive a healthcare consumer as you'll find," in his words - of St. Louis Park grouses. Here, Gruber warmed up before his morning run near his home.
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