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¹ Jeff Lagasse, Top and bottom earners account for most healthcare spending, Health Affairs study find (Healthcare Finance, February 16, 2017)

² J.P. Morgan, InstaMed Consumer Healthcare Payments Survey 2020, (J.P Morgan, March, 2021)

³ Fidelity Viewpoints, How to plan for rising health care costs, (Fidelity, August 31, 2021)