“Polling released in November by Gallup showed the smallest percentage of American adults covered by employer- sponsored health insurance since the polling organization began tracking health insurance in 2008. As of the third quarter of 2011, 44.5% of adults were covered at work. That’s down from 50% at the end of 2008,” says an article from AmedNews, the American Medical Association news service, written by Emily Berry.

“Research by the Commonwealth Fund, a private foundation that advocates better health care access and quality, found that from 2003 to 2010, health insurance premiums rose by 50% on average, much faster than income. Not only did the total cost rise, but the portion employees pay rose by 63%. The research showed that the premiums bought less generous benefits, with deductibles nearly twice as high in 2010 as in 2003.”

Jeanne Pinder  is the founder and CEO of ClearHealthCosts. She worked at The New York Times for almost 25 years as a reporter, editor and human resources executive, then volunteered for a buyout and founded...