Premiums rise for employer-sponsored insurance: Annual premiums for employer-sponsored family health coverage reached $15,745 this year, up 4% from last year, with workers on average paying $4,316 toward the cost of their coverage, according to the 14th annual Employer Health Benefits Survey conducted by the Kaiser Family Foundation (KFF) and the Health Research and Educational Trust. The increase is moderate by historical standards, but it outpaced growth in workers’ wages (1.7%) and general inflation (2.3%). Since 2002, premiums have increased 97%, three times as fast as wages (33%) and inflation (28%). The survey reveals significant differences in worker premium contributions between firms with many lower-wage workers (≥35% of workers earn ≤$24,000) and firms with many higher-wage workers (≥35% earning ≥$55,000), with the former paying $1,000 more each year for family coverage ($4,977 and $3,968, respectively). Workers at lower-wage firms are also more likely to face high deductibles: 44% face an annual deductible of ≥$1,000, compared with 29% of those at firms with many high-wage workers. The survey estimates that 2.9 million young adults are currently covered by employer plans this year as a result of a provision in the 2010 Affordable Care Act, up from the 2.3 million in the 2011 survey. The 2012 survey included more than 2,000 randomly selected public and private firms with three or more employees. The 241-page report is available on the KFF Web site at ehbs.kff.org.