Americans are well aware that their health insurance premiums have increased steadily in recent years. The data substantiate it. According to Mercer’s 2017 National Survey of Employer-Sponsored Health Plans, large employers have absorbed a 3 percent annual increase in health insurance costs over the past five years, and will be hit by a 4.3 percent increase in 2018. What people aren’t privy to is that psychotherapy reimbursement rates have been stagnant or in decline for several decades, even though insurance premiums have risen sharply. This is mystifying given that the vast majority of people afflicted with anxiety and depression prefer psychotherapy over medications, science shows it rivals or even exceeds the benefits of medications, and it yields a “medical-cost offset,” or saves insurance carriers money on avoidable medical costs.