Excerpt: A number of prominent companies are requiring their rank and file to pony up more money for health insurance, either in the form of high co-payments or a larger share of the premiums. Indeed, the average family of four covers about 17 percent of its total health care costs, according to a new report from Milliman, .... The out-of-pocket costs for such a family would rise to $2,035 this year, based on a typical plan design for a preferred provider organization (PPO).