The medical cost trend for commercial and self-insured employer-sponsored insurance in 2021 will be highly dependent on the pandemic, which is why analysts at PwC are basing estimates on three potential utilization scenarios with outcomes ranging from a 4% to a 10% increase in per capita costs for medical services and drugs. The new report by PwC’s Health Research Institute (HRI) touches not only on the spending impacted by the pandemic, but also on other factors expected to drive spending...