[영문]Broad adoption of qqqquot;consumer-directed health careqqqquot; would probably widen socioeconomic disparities in care and redistribute wealth in qqqquot;reverse Robin Hoodqqqquot; fashion, from the working poor and middle classes to the well-off. Racial and ethnic disparities in care would also probably worsen. These effects could be alleviated by adjustments to the consumer-directed paradigm. Possible fixes include more progressive tax subsidies, tiering of cost-sharing schemes to promote high-value care, and reduced cost sharing for the less well-off. These fixes, though, are unlikely to gain traction. If consumer-directed plans achieve market dominance, disparities in care by class and race will probably grow.