For the first time, the majority of the insured American workforce will have a health care deductible of at least $400 in 2011 as employers continue to raise out-of-pocket limits, replace co-pays with co-insurance and add high-deductible health plans, according to the annual "Behind the Numbers" report from consultancy PricewaterhouseCoopers' Health Research Institute.

The cost shifting will lead to an expected nine percent increase in employer medical costs in 2011, on the heels of an estimated 9.5 percent increase in 2010, according to PWC.

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