KALAMAZOO, Mich. – With predictions that health insurance premiums will continue to rise, credit unions are investigating the viability of consumer directed health plans. Could the time be right to make the move to HSAs? In a recent Society of Human Resources Management Webinar entitled What HR Professionals Need to Know about Health Savings Accounts, Kushner & Company President Gary B. Kushner says that Health Savings Accounts are an option worth exploring and is "potentially the most important aspect of the Medicare bill Congress passed last December." Kushner says there is mounting evidence that high-deductible plans actually do change consumer behavior, with "employees making smarter utilization decisions, such as avoiding costly emergency room visits, purchasing generic rather than brand medications and asking their doctors or pharmacists, `Are there lower-cost alternatives that are just as effective?'"