The way more and more Americans receive health care coverage is changing. The old days of employers picking up the health care tab for employees and their families are gone.

According to the “Employer Health Benefits 2006 Annual Survey” from Kaiser Family Foundation and Health Research and Educational Trust, since 2000, the percentage of firms offering health benefits has fallen from 69 percent to 61 percent. And that happened during a time when health care premiums rose at a pace faster than both inflation and wages.

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