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Workers Share More of Health Coverage Cost: Kaiser

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A study by two nonprofit organizations finds employees contributing a greater share of their employers’ health care coverage than they did last year.

The study also found a surge in the number of employees enrolled in high-deductible health plans (HDHPs).

In 2010, covered workers contributed on average 19% of total premiums for single coverage, up from 17% in 2009. They contributed 30% of the cost of family coverage this year, up from 27%, according to the study by the Henry J. Kaiser Family Foundation, Menlo Park, N.J., and the Health Research & Educational Trust (HRET), Washington.

For single coverage, 28% of workers paid more than 25% of the total premium this year, while 16% made no contribution, the study found.

For family coverage, 51% of worriers paid over 25% of the total premium, and only 5% made no contribution.

The average worker contributions in 2010: $899 a year for single coverage and $3,997 for family coverage, up from $779 and $3,515, respectively, in 2009.

The average annual premium for employer-provided health insurance this year was $5,049 for single coverage and $13,770 for family coverage–up 5% from $4,824 for singles and up 3% from $13,375 for families, Kaiser-HRET found.

According to the study, 12% of covered workers were enrolled in a HDHP with a savings option this year, up from 8% in 2009.



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