The consumer-driven design of Option C puts you in greater control of the health care dollars you spend. Your cost of coverage — what you pay through paycheck contributions whether you use care or not — is lower, but your annual deductible and out-of-pocket maximum are higher, meaning you will spend more money when you actually need care. You can use resources provided by the Firm to help you evaluate the cost and quality of services. Additionally, when you participate in Option C, you can contribute to a Health Savings Account to pay for — and even save for — eligible health care expenses now or in the future.