It’s not your imagination. If you have employer health insurance, you’re probably paying more out of your own pocket.

High-deductible plans have been under the microscope during the past year, given their prevalence among new individual coverage plans offered under the Affordable Care Act. But it’s also a trend that is playing out under employer-sponsored health plans covering about 150 million people, as illustrated by the annual survey on employee health benefits from the Kaiser Family Foundation and the Health Research and Educational Trust.

Based on the survey of about 2,000 firms, the average cost of an employer-sponsored family health plan reached $16,384 this year, up 3 percent from the previous year, with employees paying $4,823 toward that. The increase tracks pretty closely with the growth of wages and inflation over the past year.

Premiums in employer plans have grown 26 percent in the past five years, but that has been outpaced by the 47 percent rise in the average deductible – the amount of health care a worker has to pay for before insurance kicks in.

In 2014, 80 percent of people covered by employee plans faced an average annual deductible of $1,217 compared with $826 in 2009.

About 41 percent of all companies have an average deductible of at least $1,000, which is a big jump from 10 percent of companies in 2006. And 18 percent of companies have average deductibles of at least $2,000, up from 3 percent in 2006.