Evaluate the concept of cost-sharing, and what is known and what is not known by consumers with a high-deductible health insurance plan. Does the knowledge of having a HDHP change consumer behavior responses to cost-sharing? Submit your essay in a Word document. This assignment must be at least 500 words, with at least four references cited properly in APA format, and a title page (APA format). This assignment must be well-written with proper grammar, spelling, and punctuation.