Word is employer health care costs are leveling off. Spending overall certainly has slowed.

That's great for them. Not so much for the actual employees. They're footing more of the bill for their own health care costs – whether it's in the form of deductibles or co-pays – than even just a couple of years ago. Workers in increasingly not-so-employer-sponsored plans are paying nearly 40 percent of the cost for their own employee benefits.

(Which incidentally begs the question: When does it stop being an actual benefit? At what price point does the employee benefit become a roadblock? But maybe that's a question for some other time.)

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