Now Is the Time for Personalized Health-Care Reform

Another open-enrollment period, another year in which health care will become more expensive. Call it adding insult to injury: Not only are Americans paying more these days for gas and groceries — in 2024, they’ll experience the pain of the biggest surge in health-care costs in more than a decade, with prices expected to jump an average of 6.5 percent.

This increase will inevitably be shouldered by families through higher monthly premiums, elevated deductibles, and involuntary out-of-pocket expenses.