Higher health costs. Premiums for employer-sponsored health insurance climbed to $12,680 annually for family coverage this year. Employees pay an average of $3,354 out of their paychecks to cover their share of the cost, according to a Kaiser Family Foundation survey of 2,832 companies. "Health insurance is steadily becoming less comprehensive," says Kaiser President and CEO Drew Altman. "With rising deductibles, more and more people face a substantial amount out of pocket for their healthcare before their insurance fully kicks in." About 18 percent of employees currently have deductibles of at least $1,000, up from 12 percent last year. And 25 percent of companies plan to increase employee contributions to health insurance in the next year, Watson Wyatt found.