the Trump Phenomenon

[PaulS]

Look at the 2nd page of the link for other cost deflators.

and since you mention the Cadillac tax (the implementatin was delayed):

It is a tax on the most expensive insurance plans to slow people's’ use of health care. It will lesson the employer sponsored tax subsidy that the vast majority of healthcare economists think cause the overuse of healthcare. It will hit a larger and larger % of premiums over time.

Business, ees and insurers won’t like that so insurers will be forced develop ways to reduce health care costs and drive harder bargains with providers. This will also likely mean that more health care costs are shifted from premiums to out-of-pocket expenses. That should encourage lower utilization and/or lower prices too.