The coronavirus pandemic is taking a heavy toll on millions of workers, especially those with moderate incomes. An estimated 14.6 million people lost health coverage through June. Millions more who still have employer benefits have lost wages and income, making their insurance costs an increased burden on household budgets.

The Commonwealth Fund analyzed the extent to which workers in employer plans face high premium and deductible costs relative to their income. The burden of health-care costs for U.S. workers with job-based health insurance is determined by three factors -- median income, premium contributions and deductibles. This cost burden has increased over the past decade, because cumulative income growth over this period has trailed growth in premium contributions and deductibles.

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