. >> jim landers of the dallas morning news. you say in the beginning that one of the things that's put a break on spending this last year has been the rise of high deductible health plans and more out of pocket spending. but those seem to decline in the future projections as private health insurance share and the household share of spending both decline. is that trend going to continue or are you sort of flat lining it? what's going on with consumer spending in the future? >> okay. well, before we get started on that, it's important to recognize that what we show is at an aggregate level, so all out of pocket spend -- sometimes the aggregate number for the entire country may not be the same as an individual person's experience. but after that, part of the reason why the out of pocket share declines, as we mentioned the effect of the coverage expansion, having more people with insurance and potentially more generous coverage, as well as the shift of the baby boom generation into medicare. so those are some of the primary reasons

. >> jim landers of the dallas morning news. you say in the beginning that one of the things that's put a brake on spending this past year has been the rise of high-deductible health plans and more out of pocket spending. those seem to decline in the future projections as private health insurance share of -- and the household share of spending both declined. is that trend going to continue? or are you sort of flat lining it? what's going on with consumer spending in the future? >> okay. well, before we get started on that, it's important to recognize that what we show is that an aggregate level, so all out of pocket spending, all health insurance premiums, et cetera. so sometimes the aggregate number for the entire country may not necessarily be the same as an individual person's experience. but after that, part of the reason why the out of pocket share declines as we mentioned, the effect of the coverage expansion having more people with insurance and potentially more generation coverage as well as the shift of the baby boom ge