INDIANAPOLIS (AP) — Many workers will see their health insurance costs rise less next year than in more than a decade, partly because consumers are dialing back their health care use, a benefits consultant has found.

A survey from consultant Mercer of companies that offer employees health insurance shows the cost will rise an average of 5.4 percent in 2012. That compares with an average hike of 6.4 percent this year and it would be the smallest increase since 1997, according to data Mercer released Wednesday.

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