A growing number of employers are offering consumer-directed health plans, or high-deductible health care coverage linked to a health-savings account. Employees who opt for CDH plans -- or who have no choice because it's the only plan offered -- can let any extra health savings money accumulate and stay invested for the future. One expert says it's a way to add extra retirement savings for people who already have maxed out contributions to 401(k) plans.

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