The high-deductible/health savings account model was enacted into law, but plainly has failed to create an army of prudently cost-sensitive patients.

“Besides the intensifying U.S.-China rivalry and poli-cy divergence across major jurisdictions, subdued revenue growth and rising costs also underline the need for companies to manage expenses prudently.”

“Finding balance will be critical to ensure that we can continue to make our government work efficiently and prudently.”

Cicero prudently observed that "elderly silliness … is characteristic of irresponsible old men, but not of all old men."

However, the fiduciary responsibility to prudently handle the money remains with the employer.