This study is based on the provider ranking system implemented by one company, UnitedHealth Group, in one setting, full replacement of two firms’ traditional health plans with CDHPs. Other systems and settings could be associated with different results. For example, consumers might save less money from switching to cost-effective providers in settings where the financial rewards from switching are not as great. Another important caveat is that we do not actually know what beneficiaries accessed the rating system. This could be possible to track in future research beyond our study period.