First, the good news: The cost of U.S. health-care coverage in 2016 is projected to rise 4.7 percent, the slowest pace in 15 years. The bad: Total spending will climb above $25,000 for a family of four with employer-sponsored health insurance, according to actuarial firm Milliman Inc. The estimate includes out-of-pocket spending, as well as payments by both the worker and employer.

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