Second: I have followed health policy for quite awhile, and it's not clear to me at all what impact you believe your parenthetical callouts had on health costs.
Bankruptcy Law: In 2005 there were 2,000,000 bankruptcy filings, in 2006 there were 600,000. This was a result of the passing of the BAPCPA in 2005. At that point in time 46% of bankruptcies were due to medical bills. This change increased the expected value of delinquent accounts which in turn should lead to lower costs for medical services.
Great Recession: People put off non-essential medical expenses, or delay usage of medical services. Someone who might get braces doesn't, someone might take care of a parent themselves instead of hiring an in-home nurse, etc.
ACA Signed: Marker for before and after growth rates.
ACA Taxes + Exchanges Open: The two main policies of the ACA intended to curb healthcare costs go into effect. I would classify these two years as overestimation of savings and regression to the mean. Most insurance companies had to backtrack after their financial projections did not materialize.
Also, many veterans get care outside the VA. From my own experience working with these people, they cite long waiting times or broken relationships with the government for not wanting to take part in that system.
I'm not trying to downplay the complexity of the healthcare market, it's really complex. However, it I were to pick the things the government had control over and impacted the marketplace the most over the last 15 years, I still would pick the same things I did. I could fill several books with other changes that impacted the cost of American healthcare. (switching to e-prescriptions, subsidies for electronic medical records, medicare part D, certificate of need laws, FSA changes, HSA changes, consolidation of pharmacy benefit managers, health system consolidation, the opioid epidemic, the rise of the physicians's assistant, the expanding role of nurse practitioners, etc.)
I'd rather spend my time continuing fixing the things I know I can make better.
[0]: https://www.cms.gov/Research-Statistics-Data-and-Systems/Sta...
https://www.cms.gov/Research-Statistics-Data-and-Systems/Sta...
https://www.cms.gov/Research-Statistics-Data-and-Systems/Sta...
https://www.cms.gov/Research-Statistics-Data-and-Systems/Sta...
https://www.chcf.org/publication/us-health-care-spending-who...
The main one you might be interested in is this one though, https://www.cms.gov/Research-Statistics-Data-and-Systems/Sta...
I've excerpted this from page 34 for your convenience.
"Other public programs include health insurance coverage provided by the Department of Veterans Affairs (VA) and the Department of Defense (DOD). Enrollment for other public programs for 1987-2011 was estimated using the levels from the enhanced CPS (SHADAC) and for 2012, 2013, and 2014 estimates were extrapolated using the CPS. "
[0]: https://www.cms.gov/Research-Statistics-Data-and-Systems/Sta...
1999 2196
2000 2471 12.52%
2001 2689 8.82%
2002 3083 14.65%
2003 3383 9.73%
2004 3695 9.22%
2005 4025 8.93%
2006 4242 5.39%
2007 4479 5.59%
2008 4704 5.02%
2009 4824 2.55%
2010 5049 4.66%
2011 5429 7.53%
2012 5615 3.43%
2013 5884 4.79%
2014 6025 2.40%
2015 6251 3.75%
2016 6435 2.94%
2017 6690 3.96%
2018 6896 3.08%https://www.kff.org/interactive/premiums-and-worker-contribu...
I'm sorry for getting snippy, I just couldn't untangle your numbers from your source even after you pointed to the raw XLS you got it from.
If we just stay focused on commercial health care, we don't have to litigate whether the Iraq War (materially) impacted health care costs prior to the ACA. And: this thread is about whether employer shifts to HDHPs and (more broadly) the ACA has impacted those specific costs, not the total government cost of providing all health care services.
Healthcare expenses increase during wartime since you have to treat newly injured veterans. That statement basically can be interpreted as "people get injured on battlefields and it costs money to treat them".