As costs have gone way up for private health care insurance over the last decade, 12.6 million Americans have fallen off employer-based plans (the main form of private insurance, covering close to half the population). The percentage of employers offering health insurance fell from 68% to 60% according to data in a new report from Kaiser . But the coverage provided by employer-based private insurance has also shrunk -- even as premiums increased 113% over the last decade. Deductibles have sharply increased. In 2011, 31% of employees have deductibles of $1,000 or over. That is up from 10% in 2006. Even 22% of workers at large firms now have deductibles of $1,000 or more, up from just 6% in 2006. About three-in-four covered workers pay a copayment (a fixed dollar payment) for a visit to a primary care physician or a specialist physician, in addition to any general annual deductible. Most workers also face additional cost sharing for a hospital admission or
Notes from Leftwords -- Doug Allan