The "typical American family of four" will pay an average of $13,382 for medical services in 2006, up 9.6 percent from 2005, according to a study by the consulting firm Milliman. The study, part of the second annual Milliman Medical Index, examined average costs in five areas for a family covered by an employer-sponsored PPO. The five areas include inpatient services, outpatient services, physician care, pharmacy costs, and other services, such as ambulatory care, medical equipment, private nursing, and home health costs.