People who buy their own health insurance have been hit lately with premium hikes that far exceed increases in premiums for employer-sponsored coverage, according to a new survey from the Kaiser Family Foundation.

The nonprofit foundation, which is separate from health insurer Kaiser Permanente, said recent premium hikes requested by insurers for individual coverage averaged 20 percent. Some customers were able to switch plans and pay less, so people paying on their own actually wound up paying 13 percent more on average.

That tops last year’s average 5 percent annual increase for employer-sponsored family coverage and almost unchanged premiums for employer-sponsored single coverage, though foundation Vice President Gary Claxton said the comparisons come with qualifications.

The individual insurance survey asked respondents for their most recent premium increases, and those can happen more or less frequently than the annual increases mostly seen in the group market, he noted.

In the online poll, Kaiser queried 1,038 randomly selected people who pay for their own coverage.

Individual health insurance premiums generally rise faster than group coverage rates. They can be affected by variables like a person’s age. They also can be affected by rising medical and drug costs and are more vulnerable when a bad economy makes […]