Continued unemployment and the lasting COVID pandemic has pushed millions from the commercial health insurance market, and will continue to do so. But the pandemic has also accelerated several trends Ð such as virtual care and the drive toward in-home health services. It has also helped shape the longer-term trends toward value-based care and vertical integration. Further, the economic downturn and the lack of competition for qualified workers may prompt some employers to trim back their group coverage, reducing benefits or increasing cost-shifting to workers.


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