This study examines the association between medical savings accounts, integral components of Consumer Directed Health Plans (CDHPs), and their association to plan choice. Consumer Directed Health Plans (CDHPs) emerged as a new form of health plan with the intent to slow the growth of escalating insurance costs for employers. Such plans have a focus on demand side cost controls through high initial cost-sharing and consumer engagement via the use of such as Health Reimbursement Accounts (HRAs) and Health Savings Accounts (HSAs). These medical spending accounts are intended to engage consumers by requiring them to manage the first several thousand dollars of their health care needs. HRAs and HSAs share some characteristics with Flexible Savings Accounts (FSAs) that have existed for some time pre-dating CDHPs. Findings suggest consumers who previously funded and FSA in effort to manage some initial funding of out-of-pocket healthcare costs may not seek CDHPs due to the continued ability to manage initial healthcare spending, but only to seek a method to reduce their financial burden of accessing healthcare.