For large U.S. companies and their employees, health care premiums continue to rise, albeit slowly. Meanwhile, most employers are reevaluating their retiree health insurance  strategies, planning more emphasis on the individual rather than the group market. "People will need to save more for their health care needs in retirement," Milind Desai, retirement actuary at Aon Hewitt, told Financial Planning. "Someone who is 40 now can expect to spend $350,000 to $450,000 on health care in retirement."

Aon Hewitt just announced that the average health care cost per employee was $10,522 in 2012, up from $10,034 in 2011. That 4.9% increase was down from an 8.5% rise in 2011 and a 6.2% hike in 2010 but still far above the overall inflation rate. In 2012, employees contributed $2,204 to the premium cost, on average; meanwhile, average employee out-of-pocket costs such as copayments, coinsurance and deductibles were $2,200 in 2012.

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