Cumulative growth in out-of-pocket and health plan spending on services for people with employer coverage, as compared to inflation and worker wages, 2013-2023
'Out-of-pocket' reflects average annual spending on cost sharing, such as copayments, coinsurance, and deductibles, for someone with employer-sponsored coverage and does not include worker contributions to premiums. Total Health is the average annual incurred charges under the plan, including the amounts paid in cost-sharing and as payments from the plan.
