The Decline of Employer-Sponsored Health Insurance

Millions of working Americans are gearing up for what’s probably the holiday season’s least popular ritual — learning how much their employer-sponsored health insurance will cost them next year. For many, premium contributions, deductibles, copays, and coinsurance will go up. At the same time, many will also see only tepid increases in their wages. This will leave working families across the country with the sense they are spending more of their income on insurance that doesn’t protect them as much as it used to.

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