Wallet, cash and stethoscopeThis year, 83% of covered workers have a deductible in their plan, similar to last year and up from 70% a decade ago.

Annual family premiums for employer-sponsored health insurance increased 4% this year. The average premium is $21,342, of which employees contribute $5,588, according to the "2020 Employer Benefits Survey" released by KFF on Thursday.

This increase is similar to the annual rise in earnings and inflation. However, plan details such as premiums and deductibles largely reflect decisions made by employers before they felt the full impact of the COVID-19 pandemic and economic crisis. Average family premiums have risen by 55% over the past decade, at least twice as fast as wages and inflation.

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