In 2003, a worker whose plan just covered herself was, on average, paying an average of $606 annually to the cost of her plans' premiums annually, or 17 percent of the total premiums, with her employer picking up the rest of the tab, the Commonwealth Fund report said.
But by 2013, her share of the premiums had risen to 21 percent of the total premiums, or $5,571 annually.
In 2003, only slightly more than half of workers in a health plan had a deductible they had to pay. But in 2013, that had risen to 81 percent of all such workers.
And the amount of the average deductible, across all firms, had grown from an average of $1,079 for a family plan in 2003 up to $2,491 by 2013, the report found.
The Commonwealth Fund report noted that the spikes in premiums and deductibles slowed down from 2010 through 2013. For example, while the average rate of growth in costs for all job-based plans that cover only a worker grew by 5.1 percent annually from 2003 through 2013, the annual rate of growth was just 4.1 percent in the last four years of that span.
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Collins, the report author, said the deceleration in health-coverage costs is "probably a combination" of both the sluggish economy on the heels of the 2008-2009 financial meltdown, and some of the effects of the Affordable Care Act, popularly known as Obamacare.
Collins said premiums reflect the underlying cost of health services, whose growth rate has slowed in the past five years. Some of that is due to reduced demand as a result of the lackluster economy.
At the same time, Obamacare proponents have said the law has helped tamp down costs by penalizing hospitals for excessive rates of readmissions of patients covered by Medicare, and by setting a floor for the percentage of premiums that insurers must pay out to cover health services or pay consumers rebates.
However, Collins noted, Obamacare also contains some inflationary drivers for employer-based health plans, including the rule allowing adults below the age of 26 to remain on their parents' plans, and the provision that requires plans to cover the costs of preventative health services such as birth control without requiring any co-payment.
"Despite those changes," she said, "we're seeing an overall leveling off in the rate of growth of premiums."
"But because incomes have grown so slowly, you still have an [insurance cost] growth rate ahead of income," Collins said.