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Healthcare deferred by COVID-19 could reduce health spending in 2020. In this webinar, principal and consulting actuary Pedro Alcocer, senior healthcare consultant Carol Bazell, and principal and consulting actuary Ed Jhu discuss what happens when people return to the healthcare system and how different factors may affect healthcare costs in 2020 and 2021. They also present an overview of the Deferred and Returning Care Utilization Model (DRUM) and consider the financial implications of multiple scenarios depending on when patients return to normalcy.