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Following cost increases, almost 5 percent of state workers and retirees have dropped out of the state's health care plan.

The Missouri Consolidated Health Care Plan is switching from a co-pay to a deductible model starting January 1st.

That could result in state workers paying more out of their own pockets for doctor and hospital visits.

The health plan also is charging families more for covering multiple children, and eliminating some of the services it covers.