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Furthermore, there is evidence that the less employees earn, the more they have to pay. Firms with lower-wage workers, defined by the study as firms with 35 percent of their workforce earning $23,000 or less, charge their workers higher premiums. The average was $1,363 more per family than firms with higher-paid workers. This coverage also tends to have fewer features, resulting in the lower-paid workers paying more for less, and taking up a higher portion of their income (39 percent of income for low-wage workers versus 29 percent for higher-wage).
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