People getting less health care coverage for more money

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Consumers who must buy insurance are getting less comprehensive coverage and paying more for the insurance. That's the conclusion of a new study by The Henry J. Kaiser Family Foundation.

The foundation found this phenomenon is not only true in the individual health insurance marketplace, but also in the small business marketplace, where more employers are offering very high deductible plans. The foundation found that high deductible plans increased from 16% in 2006 to 40% in 2009.

People with individual health insurance not only pay higher premiums, but they also pay a larger share of their total medical costs. Based on the study, people who had individual insurance between 2004 and 2007 paid 52% of their health expenses. Those with employer-based coverage only paid 30% of their health expenses.