Even when offered health coverage by their employer, nearly half of millennials opted not to accept it.

This rather startling insight into this independent-minded generation was among the findings of ADP's "Annual Health Benefits Report: 2013 Benchmarks and Trends for Large Companies," which identified trends in employer-provided health benefits between 2010 and 2013.

ADP Research based its report on a survey of 600,000-plus employees at 175 U.S. corporations. The data was gathered anonymously through interviews in an effort to achieve greater objectivity than might be derived from self-reported data, ADP said.

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