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As 2020 winds down, we want to look to the year ahead. In this minisode, we sit down with Vynamic’s Health Plans Sector Advisor, Saurabh Raman, to discuss the trends he sees being the most impactful in 2021. The episode opens with a discussion of medical utilization and the impact on consumer costs (01:20). The conversation then moves to the impact on reimbursement of the shift to virtual care (02:49) and the continued expansion of voluntary and specialty benefits (03:50). The interview closes with consideration of the impact of these trends (05:20), including potential spending spikes and cost pressures from decreased utilization (05:40), and improved cost of care and outcomes through telehealth and expanded coverage (06:45).