"[Employer-provided coverage,] long considered the gold standard of health insurance, now often requires workers to pay so much out-of-pocket that many feel they must skip doctor visits, put off medical procedures, avoid filling prescriptions and ration pills -- much as the uninsured have done.... [The] size of the average deductible more than doubled in eight years, from $584 to $1,217 for individual coverage. Add to this co-pays, co-insurance and the price of drugs or procedures not covered by plans -- and it's all too much for many Americans."