What Cars Have Lowest Insurance Rates

Costs shift to workers as health insurance expenses rise

The cost of employer-sponsored health insurance has grown more than four times faster than inflation since 2001, and the costs borne by workers have risen at an even faster pace as companies increasingly shift health care expenses to their employees.

Instead of simply increasing premiums, many employers now require their workers to pay more when they get medical care. This year, nearly one in three workers covered by their employers had a deductible of at least $1,000, up from one in 10 five years ago.

The figures were released Tuesday in the Kaiser Family Foundation/Health Research & Educational Trust 2011 Employer Health Benefits Survey . It found that premiums rose by 8 percent for individual coverage and 9 percent for family coverage in 2011, outpacing wages, which grew at 2.1 percent, and general inflation, which rose by 3.2 percent. The average employer-sponsored family insurance plan now costs $15,073--more than some cars, noted Drew Altman, president and CEO of the Kaiser Family Foundation.

The jump follows four years of premium growth that was below 5 percent, and occurred at a time when workers' wages did not keep pace with inflation, Altman said.

While costs have consistently increased, the way they're paid has been changing. Altman cited a trend toward offering insurance plans with high deductibles that carry lower premiums but require members to pay large sums of money before coverage kicks in, which can lead people to use fewer health services. It's one of the few ways employers have to control health care costs, he said.

"To me, this is the quiet revolution going on in health insurance that's kind of under the radar screen," he said Tuesday during a conference call with reporters. "The nature of what we call health insurance is changing without a great deal of analysis or debate."

Proponents of high deductible plans say they make people more mindful of their health care spending and less likely to use services they don't need, while critics say they can make people unable to afford care they need.

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