AHM-250 Web TestEngine demo

After a period of relative stability, annual growth in private health spending per capita began to increase rapidly in 2002.

During the height of the recent cost upswing, insurance premiums were increasing by more than 13% annually.

Increased utilization was the largest factor contributing to the rise in premiums, accounting for 43% of the increase.

Employer payers began seeking ways to control spiraling utilization rates and provide lower cost health coverage options.