Prescription drug costs are the issue du jour, and the next generation of complex therapies will only get more expensive.

Premiums for ACA coverage are also skyrocketing.

Medicare’s financial footing is getting weaker. The trust fund that helps pay for hospital coverage is now expected to run dry in 2026 — faster than previously expected.

The sleeper issue is rising out-of-pocket costs, which affect far more people than ACA premiums or the price of new drugs. The average deductible for employer-based coverage has gone up almost 400% since 2006.