The downside for employees is that the rising cost of coverage is not lower or equivalent to salary hikes. While the coverage is good, the flip side is it can be cost-prohibitive. This is leading many employers to revaluate their cost share structure, and perhaps shift some of the cost to employees, if they choose not to change to a lower cost plan.
For the average employer, this means looking at the type of coverage offered to potential and current employees. With more and more companies offering health care benefits, employers should look at what their industry offers and try to match or exceed to hire and retain the best staff possible.