> employers have steadily shifted a larger fraction of healthcare premiums onto employees This is true, it's a major reason the public understanding of health

> employers have steadily shifted a larger fraction of healthcare premiums onto employees This is true, it's a major reason the public understanding of health care cost growth doesn't mirror health care spending growth. But it's also meaningful, because it defines consumer spending, and it's not usually accounted for. Healthcare's piece of the CPI basket is ~5%, but for a lot of people the real share has grown rapidly and is ~20%. Which means that using a CPI calculation to scale income is a problem - one of the faster-than-inflation segments has rapidly taken over much of the basket.