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In recent years, there has been a steady decline in employer-sponsored health coverage. The trend in healthcare is for companies to shift more and more of the responsibility for the cost and quality of care to their employees. As a result, many consumers are faced with higher costs and a larger share of the healthcare burden. The group of individuals who are not covered by employer-sponsored health plans, due to affordability alone, continues to grow. It no longer consists of the more obvious segments-people who are self-employed, retired, or recent college graduates-but now also includes those for whom the cost of traditional health insurance options is simply too high.