We asked readers which areas of benefits they expected to see the greatest increases in cost and utilization. Here's what you said.

All hands on deck

With 2020 behind us, we should be better prepared for 2021 regarding wellness and COVID-19 prevention. The biggest utilization will come from testing and telemedicine. Urgent care centers will continue to be the biggest beneficiaries when it comes to quick care and convenience, as primary care physicians will have their hands full with symptomatic care during the first quarter of 2021. All eyes should be focused on drug costs and transparency in 2021, regarding President Trump's executive orders in 2020 (access to lower-cost drugs and protection of surprise billing).