It's a simple, sad fact of life: Employees need to pony up more for their own health care costs.

As employers look to cut costs that never seem to stop climbing faster than inflation, while employees bristle at giving up any of their hard-fought benefits, the only wiggle room appears to be the distribution of the tab.

And it looks like that's where most of you are headed – at least according to the latest numbers from the 17th annual Top 5 Total Rewards Priorities survey from the International Society of Certified Employee Benefit Specialists and Deloitte Consulting.

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