when are out of sample data required for health care cost model how do I make out of sample health cost prediction how to do out of sample prediction what model to use to predict a year 2 zero utilization what model can predict zero utilization which model is used to predict year 2 log cost of health care what model is ols for how to use out of sample how is zero utilization modeled how to use out of sample prediction what type of model is zero utilization what is the loglinear ols how to use out of sample prediction what year do you use an out-of-sample model cost model based on zero utilization records how to estimate zero utilization in a model when to use out of sample in a model what type of logistic model is used to predict the year two cost of health care services what year does ols based on zero utilization what is the difference between ols and loglinear model?