Excerpt: Wachovia Corp., the nation's fourth-largest bank, is giving its lowest-paid employees a break on their health-insurance premiums while asking their higher-paid colleagues to fork over more cash for the same coverage. The new tiered pricing system replaces one in which employees earning the highest salaries paid the same premiums as lower-paid workers for the same benefit.... It's the latest twist in employers' struggles with skyrocketing healthcare costs.