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1. The dataset is extracted from the report which covers the health care cost and utilization trends for Americans younger than age 65 and covered by employer-sponsored insurance (ESI) for the years 2010 through 2015.2. Out-of-pocket spending was defined as the dollars spent by individuals for health care services in the form of co-payments, coinsurance, and deductibles.3. The analysis of data tells that Health care spending per capita for this population grew 3.4% in 2014. Similarly, over the 2010–2015 period, per capita spending growth was relatively steady and grew between 3.0% and 4.0% in each year; growing an average annual 3.4%.