Research from the Health Care Service Corporation noted that those who sign up for consumer-driven health plans have a better chance to cut health spending and make better decisions for their own well-being.

The study showed that, on average, those who switched to a CDHP plan were 4 percent more likely to use preventive healthcare services, while 12 percent cut down healthcare use. In addition, close to one-quarter did not use as much money for care in the hospital and another 8 percent saved on outpatient care.

"Our findings are significant because they indicate both real and potential health care spend reductions," said Guy McGinnis, vice president of client analytics for HCSC. "Rather than comparing the utilization of different groups of consumers, we have focused on the utilization changes of members who migrated from traditional plans to CDHP."

Consumers attracted to a policy with many options, but do not like what they have for their company's offering, may want to look online for a plan with affordable health insurance rates.