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Study: Fewer CT employers offer health insurance

The number of Connecticut employers who sponsor health insurance for their workers has fallen significantly since 2004, according to a study by the Robert Wood Johnson Foundation.

The trend has accelerated since the Great Recession, particularly among small employers, the study said.

Overall, 55 percent of Connecticut firms offer health insurance, down from 63.8 percent in 2008 and 66.3 percent in 2004.

Almost all larger firms continue to offer insurance, but employee participation has fallen 11.3 points, to 72.9 percent, since 2004.

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Just 39.4 percent of smaller firms offered insurance in 2013, down from 56.5 percent a decade prior.

Take-up among small business employees has dipped less so, from 74.1 percent to 69.8 percent.

The changes have happened against a backdrop of rising premiums.

Family coverage premiums have grown from $11,376 in 2004 to $16,883 in 2013, while individual premiums grew from $4,127 to $5,968.

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Employees are also paying a greater amount of those premiums, RWJF said, and deductibles have approximately doubled over the decade.

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