Over the past three to five years, health care costs have grown out of control. Despite inflation peaking, its impact is still being felt on a delayed basis in the health care sector, as contracts between insurers and medical providers are usually locked in for several years. This means a higher price tag for employees that are covered by these plans — but also a higher cost to employers who cover health care costs. Compared with 2022 prices, employer costs increased by about 4.5% in 2023 and…