1. HEALTH SPENDING ACCOUNT EFFECTS ON PRIMARY PHYSICIAN UTILIZATION Open Access Author: Manbeck, William Thomas Title: HEALTH SPENDING ACCOUNT EFFECTS ON PRIMARY PHYSICIAN UTILIZATION Area of Honors: Health Policy and Administration Keywords: Health Spending AccountsHealth Saving AccountsFlexible Spending AccountsPrimary CareConsumer Behavior File: Download Will_Manbeck_thesis_final.pdf Thesis Supervisors: Joel E Segel, Thesis SupervisorSelena E Ortiz, Thesis Honors Advisor