A more active role for consumers will decelerate health spending over the next two decades New data-driven business models will create what Deloitte calls a "well-being dividend," shaving billions off projected health spend. , Associate Editor More agency among consumers, and patients who take more active roles in their healthcare journeys, is a trend that will help to curb spending, in part by recognizing the early onset of disease and addressing it proactively, according to a new report from consulting firm Deloitte. This is reflected in the numbers: While healthcare spending is projected to rise to $8.3 trillion by 2040, that's about $3.5 trillion less than an estimate from the Centers for Medicare and Medicaid Services, and the authors attribute this to more proactive consumers and emerging technologies.