Out of pocket health cost on way up.

Many workers have become accustomed to making co-payments of $15 to $20 every time they go to the doctor. Now some companies are switching to a co-insurance model that requires workers to assume a larger percentage of the health care cost. Instead of paying $20 for a doctors visit you may for example pay 20% of the bill. Companies are trying to make people a better health care consumer by giving them a stake in the dollars they spend upfront.
Workers who need maintenance drugs for chronic conditions may be required to sign up for mail order programs to save on brand name drugs. Source USA TODAY