Pie chart with dollar image One striking finding of the study is that those employee with negative feelings toward their health plan are much more likely to be on an HDHP. (Image: Shutterstock)

Forty percent of Americans with employer-sponsored health insurance struggle to pay for their health care costs, according to a new survey, and those with chronic conditions are especially hard hit.

The survey, conducted by the Kaiser Family Foundation (KFF) and the Los Angels Times, suggests a growing affordability problem, not for those on government programs or in the Affordable Care Act's individual market, but with employer-sponsored health insurance, long considered the most stable and desirable type of insurance coverage.

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