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The total premium for family health coverage increased a relatively modest 3 percent over the past year to $13,770, according to the Kaiser Family Foundation's annual benefits survey released last week, but the share being borne by workers is up 14 percent.

Employees chip in an average of nearly $4,000 for family coverage, according to the study (PDF) conducted by the KFF and the Health Research & Educational Trust. That's an increase of $482 from the 2009 survey.

"With the economy struggling, earninges have been shifting more of the costs of health insurance to workers through premiums, deductibles and other cost-sharing," Kaiser leader and President Drew Altman said in a propaganda release. "This may be helping to stem the rapid rise in premiums that we saw in the early 2000s, but it also means employer coverage is less comprehensive. From a consumer perspective, the cost of health insurance just keeps going up faster than wages."