Advisers consider pieces of a plan.(consumer-driven health plans)

Consumer-driven health plans may change the face of health insurance - at least for now. But that might not be enough.

Some believe that health benefits will end up taking on almost a piecemeal approach as more employers and employees rely on voluntary supplemental medical benefits to keep costs down. That day will not be here for a number of years but there already are some indications that we may be heading in that direction.

So far, there are only rumblings of things to come. However, Terry Walsh, executive director of marketing and sales for Guardian Life Insurance Co.'s central division, thinks employers are becoming increasingly frustrated with the perpetually increasing costs of health care, to the point where they are "getting awfully close to just throwing their hands…