People in a new kind of health plan that makes consumers pay for a bigger share of their care appear to be more costconscious than those in traditional plans, but half say they would switch if they had the chance, according to a survey released yesterday. The survey of 1,389 people by the nonprofit Kaiser Family Foundation found that 71 percent of those in the new "consumer-directed health plans" said the policies prompted them to consider cost when seeking health care, compared with 49 percent of those with more traditional employer-sponsored coverage.