Individuals in Massachusetts are spending more and more money out of pocket to pay for their health care, according to the Center for Health Information and Analysis’ annual report, which is being released Tuesday.

The report by the independent state agency tasked with tracking health care spending found that while total spending on health care in Massachusetts is growing at a modest rate — 3.1% from 2017 to 2018 — the amount individuals who buy commercial insurance have to pay in copays and premiums has risen faster than that.

Between 2016 and 2018, cost-sharing grew by an average annual rate of 6.1% and premiums grew by 5.2% — in other words, around twice the rate of both wages and inflation.

“An overall growth rate of 3.1% ... is a good number and something to be proud of but it’s not the end of the discussion and not the end of the work that needs to be done,” said Ray Campbell, executive director of CHIA. “We need to look beneath that number at who’s bearing what costs.”

In 2018, the average premium paid on the commercial market was $509 per member per month. Premiums varied significantly by insurer, with Boston Medical Center HealthNet plan charging on average $330 a month, while Fallon Health charged $581. The state’s largest insurer, Blue Cross Blue Shield of Massachusetts, charged an average of $530 per member per month.

The amount members pay in cost-sharing — which includes copays and deductibles — varied based on the type of insurance plan, but was on average $55 per member per month in 2018.

An individual buying insurance on their own without a subsidy paid the most, an average of $93 out of pocket per member per month, while those buying through the biggest companies paid $50 on average.

Part of the increase can be traced to the growth in high deductible health plans, where members must pay at least $1,350 out of pocket before their health insurance kicks in.

“High deductible health plans have gone from being almost a niche product to being a major feature of the market,” Campbell said.

Overall, Massachusetts consumers racked up $60.9 billion in spending on health care in 2018, or $8,827 per capita — a 3.1% increase over the previous year.

The most money overall was spent on hospital services, at $22.7 billion.

Consumers spent another $9.5 billion on visits to doctors.

Amid a statewide focus on how best to curb the cost of pharmaceutical drugs, the report found that drug spending accounted for $9.9 billion, a 5.8% increase over the prior year. After considering drug rebates, which are discounts generally given by the manufacturer to an insurer to incentivize the insurer to cover the drug, pharmacy spending totaled $8.1 billion, or an increase of 3.6%.

The growth in health care spending was highest among Medicare patients, at 5.7% growth, and was driven primarily by hospital costs. Spending on MassHealth, the state’s Medicaid program, was largely flat.

The report also looks at a few measures of quality and found mixed results. The rate of unplanned readmissions to hospitals was 16.1% in fiscal 2017, a slight increase from the prior year. Only six of 36 hospitals reported meeting three different standards for reducing unnecessary maternity care. Adult patients reported higher satisfaction on behavioral health care than in the prior year. But satisfaction on other measures was similar to last year and similar to national averages.

David Seltz, executive director of the Massachusetts Health Policy Commission, said the report contains good news in that total health care spending is in line with the state’s goals and is increasing more slowly than national trends. But it also contains “warning signs” for the future affordability of health care.

“Even with this moderate overall growth rate, the burden of health care costs on Massachusetts employers and residents continues to grow,” Seltz said in a statement.

The CHIA findings will be discussed in depth at the Health Policy Commission’s annual hearing on health care cost trends on Oct. 22-23.