The health care cost spiral is slowing- finally. Prior to 2008, the increase averaged at least 8% a year- for two decades! Over the past 5 years (up to 2014), total healthcare costs have growing by less than 3% annually. That trend is up for grabs through, as the last year’s(2015) increase seems to 5.5%- but the current year’s increase will be a little less at 4.8%. Except, these numbers still don’t tell the whole story….