Most Americans with health insurance — roughly 55 percent — reported an increase over the past year, according to the Employee Benefit Research Institute.

And while the real news there is probably why that number is so low despite all the press reports and Chicken Little declarations to the contrary, the fact of the matter is that employees are doing their part when it comes to managing expenses. They’re turning to generic drugs, talking to their doctors more about different health care options and putting off office visits for more serious symptoms.

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