The volume of health care services is down. Since the start of the pandemic, in many states, non-emergency health care services other than virtual care have not been available to consumers. And it is likely that the return to a “typical” health care practice model will be slow. Health care provider organization management teams are struggling with how to reopen (see Reopening Is Not Recovery and The Lockdown Was Simple—Reopening Not So Much). Consumers are trying to weigh the risks of going outside their homes for services of any type. This drop is reflected in the financial performance . . .

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