Five million fewer jobs provide health insurance coverage now than in 2001, according to a study by the Kaiser Family Foundation and the Health Research and Education Trust. The average annual premium for a family of four in a PPO broke the $10,000 ceiling for the first time, the study found. Employers looking to curb health benefits costs went shopping for new plans; 56% say they sought a new health insurance provider and 31% of those ended up switching.

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