High deductible health plans (HDHPs) have shifted financial responsibility onto the shoulders of consumers who are often unprepared to bear it. Many patients need help understanding their bills and figuring out how to pay them. As their out-of-pocket expenses continue to increase, patients have more skin in the game and thus are more demanding about the quality of their customer experience. These changes necessitate a new patient payments model - one built on convenience and clear communication. By elevating their patients’ consumer experience, healthcare organizations can significantly reduce AR days and unpaid patient balances while also strengthening patient satisfaction and loyalty.