It is not insurance, which makes the lack of price increases. If so, it is the opposite. This is our national habit of over-insured, driving health care inflation. Little from the standard group plan "coverage" health care spending downward price pressure. In fact, they have exactly the opposite...
My view is that we should ignore these factors, but I do not think lasting care prices accelerated close to accounting. I want to say yes, we should not neglect the tilt of the market incentives, which is mainly what we are doing.