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Patterns of Spending by Age in the Commercially Insured Population (2022)

Health Care Cost Institute
July 14, 2026

This brief highlights spending by age and service category in 2022 among people with employer-sponsored insurance (ESI).

Key Findings:

-Spending per person at $25,000 in the first year of life.
-Although overall inpatient spending increases with age, we find different patterns of utilization by age across inpatient service categories.
-Although overall outpatient spending increases with age, we find different patterns of utilization by age across service categories.
-Although spending for overall professional spending increases with age, we observe different utilization patterns by age variations across types of office visits.

spending_by_age_chartbookDownload the Chartbook

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