Research from Prudential found nearly half (43 percent) of plan sponsors say their companies are taking a closer look at cost-sharing alternatives. In the past year, 20 percent of employees added a new voluntary coverage through their employer.

The findings are from "The Rise in the Employee-Driven Benefits Model," the first in a series of research briefs stemming from Prudential's 5th annual study of employee benefits.

"This notion of employees making more financial decisions at work didn't start with the recession or the recently passed healthcare legislation," said Andy Mako, senior vice president, Product, Marketing and Strategic Initiatives, for Prudential's Group Insurance Business. "Interest has been gradually increasing over the past decade."

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