Health care costs are increasing faster than national wages. Unless the U.S. health system makes some major changes, researchers estimate health insurance premiums will be 50% of average household income by 2021, and exceed the average income by 2037. Tack on out-of-pocket costs and those thresholds will arrive three years faster. Reductions in health-care costs from the health reform law were factored into the projections. However, researchers did not account for the most recent year of health spending data, which showed the economy and health-care costs growing at the same pace. Unfortunately, lower health-care costs do not necessarily translate to lower insurance premiums.