The average health care rate for mid-size and large employers increased by just 3.2 percent in 2015, marking a nearly 20-year low. But the share that workers pay increased drastically, according to a report from Aon Hewitt.

Aon has been tracking health insurance cost trends since 1996, and said that this year's increase of 3.2 percent is the lowest since it began tracking the data.

Employers deserve credit for proactively redesigning their benefits package to battle health cost escalation. But megatrends within the economy played important roles in the low rate hike.

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Dan Cook

Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.