According to the consumer advocacy group, Families USA, roughly two million Americans were cut off from health insurance last year because of job layoffs. They join the more than 40 million Americans without any health insurance and the many additional millions who are considered "under-insured." These staggering numbers are expected to swell even more as employers answer annual premium increases of sometimes more than 20 per cent by hiking employees' share of premium costs, reducing benefits or by carving families out of coverage. Many employers don't pay even a dime of health insurance.

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