While employers are experiencing the smallest increase in health care costs in 15 years, employees' cost share of insurance continued to grow. An annual survey by Towers Watson and the National Business Group on Health found that employers' costs of providing coverage is expected to increase 4 percent, to $9,560, yet total employee cost share has climbed nearly 7 percent to $2,975.

While 95 percent of survey respondents indicate that subsidizing coverage for active employees is a very important part of their rewards package, 92 percent expect to make moderate to significant changes to their programs next year. For example:

• 49 percent of employers have increased employee contributions for dependents; 19 percent plan to make this move next year;

• 22 percent of employers have outcomes-based incentives (other than for tobacco); 24 percent plan to add them next year;

• nearly 75 percent of employers offer account-based health plans; 9 percent expect to add one next year.

For more, go to www.towerswatson.com.