Quarterly utilization/1,000 for same-day 1 services by plan deductible. $100K $150K $200K $300K $500K 60 40 Utilization/1,00020 0 2018Q12018Q22018Q32018Q42019Q12019Q22019Q32019Q42020Q12020Q22020Q32020Q42021Q12021Q22021Q3 For a wide variety of reasons, many individuals chose to forgo medical visits during the pandemic. As the number of medical visits picks back up in the remaining months of 2022 and into 2023, we are likely to see an increase in the severity of newly diagnosed patients and increased complication rates for those with existing chronic conditions. The pandemic’s long tail may increase utilization and health care spending in 2022 thanks to the return of some care deferred during the pandemic, the ongoing costs of COVID-19, increased mental health and substance use issues, and worsening population health. 2023 Benefits Trends: The evolving workplace 72