It isn’t flat, that’s the average of the last two years. It does adjust for a lot of things, like any insurance. It is higher than avg in the state for my wife

It isn’t flat, that’s the average of the last two years. It does adjust for a lot of things, like any insurance. It is higher than avg in the state for my wife right now because she is only a few years out of residency. Mid career, she should only expect to pay about $120k/yr…