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. However, this could be labeled as a burden on the consumer. Write a 350- to 525-word article that identifies and evaluates the impact that federal or state health care policies are having on consumer costs. Explore both positive and negative effects. Include a citation of your article in your assignment. 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).