According to a recent analysis, healthcare costs

...for members of consumer-directed health plans (CDHPs) were between $457 and $532 per member per year lower than costs for privately-insured persons with traditional (non-CDHP) health plans; between 63% and 75% of the cost differential was driven by lower utilization rates.

Source: "Truven Health Analytics Finds Consumer-Directed Health Plans Drive Lower Costs, But Raise Questions About Healthcare Utilization," Truven Health Analytics Press Release, June 29, 2015, http://truvenhealth.com/news-and-events/press-releases/detail/prid/171/CDHPs-Drive-Lower-Costs-But-Raise-Questions-About-Utilization