Among employees under age 30, only half participated in their employer's health benefits program in 2013, compared to 70 percent of employees age 40 and older, according to ADP's inaugural Annual Health Benefits Report.

The report also found that health plan premiums have risen for employees of all ages, but the highest increase came for those under 30.

Dave Marini, vice president and managing director for Roseland, N.J.-based ADP Strategic Advisory Services, said the lower participation among younger workers might be linked to the rise in premiums as well as attitude.

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