These include copayments, coinsurance and deductibles. Common cost sharing mechanisms include copays, deductibles, and health savings accounts. As a result, insurance premiums are typically cheaper when they involve higher deductibles. Enrollees pay little in premiums but have deductibles for hospital stays. Examples of out-of-pocket payments involved in cost sharing include copays, deductibles, and coinsurance. Workspaces also contribute to fostering rationing amongst their employees due to high deductibles and premiums. Copayments, deductibles and out-of-pocket contributions may vary among plans. Most health insurance policies and some travel insurance policies have deductibles as well. The program contains premiums, deductibles and coinsurance, which the covered individual must pay out-of-pocket. However, Goodman now argues that we should have accounts with no deductibles or copayments. Deductibles have been rising much faster than premiums in recent years. He says "no one can afford" the premiums and deductibles. The type of health insurance deductibles can also vary, as individual amounts and family amounts. The employees are responsible to pay any deductibles or co-payments required under the policy. Some firms lowered costs by increasing cost-sharing (for higher employee contributions, deductibles and co-payments).