Costs are spiking for the millions of Americans who rely on workplace-sponsored health insurance, according to a survey released Thursday, with small businesses and their employees being hit especially hard.  The average cost of a family plan increased by 5 percent, topping $28,000 this year, according to the annual Employer Health Benefits Survey from KFF.…

New surveys show that increases in premiums and deductibles are forcing people to forgo treatments or doctor’s visits while budgets are strained by higher food and gas prices.