"20 percent of individuals with employment-based health benefits account for roughly 80 percent of overall spending.... One percent of enrollees account for 29 percent of spending. While the average spending for this group is $206,000 per person and median spending is $150,000, everyone in this group used at least $96,000 in health care services.... The prevalence of chronic conditions is relatively high among people who use a lot of health care services."  MORE >>