FIGURE 1.

Mean financial result under the “base model” for mutually exclusive groups based on spending levels in prior years. Outcomes are based on the total population (N = 16.7 m). “size” refers to the prevalence in the current year. People are categorized in the highest group applicable. For example, those with 2 prior years in the top‐0.5% and 1 year in the top‐1.5% (but not in the top‐0.5%) are classified in the group “3 prior years in top‐1.5%”