"Employees have been required to shoulder an increasing portion of rising premiums through their explicit contributions, hitting 27 percent in 2011. They are also increasingly likely to face a deductible, and average deductible levels have been rising quickly.... Average premiums in the non-group market are lower than in the employer-based market and have been increasing a little less rapidly. Deductibles, on the other hand, are considerably higher in the non-group market, consistent with a growing prevalence of plans eligible for health savings accounts."  MORE >>