INDIANAPOLIS (AP) — More companies are offering workers a form of high-deductible insurance called a consumer-directed health plan as they struggle with rising costs and prepare for coverage expansions under the health care overhaul, according to a survey from the benefits consultant Mercer.

Mercer said it saw this year the biggest increase ever in the adoption of these plans by large companies. A total of 32 percent of all employers with 500 or more workers offer a consumer-directed health plan, or CDHP, compared with 23 percent last year.

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