Workers on average are paying nearly $4,000 this year toward the cost of family health coverage — an increase of 14%, or $482, above what they paid last year, according to the benchmark 2010 Employer Health Benefits Survey released Thursday by the Kaiser Family Foundation and the Health Research and Educational Trust.

The jump occurred even though the total premiums for family coverage, including what employers themselves contribute, rose a modest 3% to $13,770 on average in 2010, the survey found. In contrast, the amount employers contributed for family coverage did not increase.

Since 2005, workers’ contributions to premiums have gone up 47%, while overall premiums rose 27%, wages increased 18% and inflation rose 12%.

Many employers also are raising the annual deductibles workers must pay before their health plans begin to share most healthcare costs. A total of 27% of covered workers now face annual deductibles of at least $1,000, up from 22% in 2009, the survey found. Among small firms (three to 199 workers), 46% face such deductibles.

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