Strong analysis linking healthcare spending growth to real affordability pressures. The distinction between CPI-measured inflation and actual out-of-pocket costs is critical, most people experience healthcare as a rising share of disposable income regardless of whether specific item prices are stable. The timing matters too, that 1%+ increase in healthcare's share ofthe income over two years compounds when combined with wage growth barely outpacing overall inflation. dunno if the ACA premium subsidy cliff in 2026 is getting enough attention given how much it'll amplify this trend.