Table 2. Mean comparison test (t-test) using 2010 as comparison year.

Out-of-Pocket Payment				Insurance Claims
Year	Mean	Std. Err.	Pr (|T| > |t|)	Mean	Std. Err.	Pr(|T| > |t|)
2010	4144.397	302.5217		64609.65	6063.325
2011	3379.288	424.531	0.148	71272.24	8741.706	0.534
2012	2801.082	315.9346	0.003	76219.43	5394.353	0.158
2013	2548.958	350.6245	0.001	90330.18	8555.829	0.017
2014	1577.975	217.9629	<0.001	74989.96	5404.659	0.207