How would I create a stacked column chart like attached?

[Gary Whiddon]

My chart visually shows healthcare costs as the vertical axis.  The stacked bar chart would work if the three payers, employee, employer and insurance company was to pay 100% of expenses between certain levels of expenses.  But what if one $4000 layer of expenses, say between $1500 and $5500 was paid 30% by the employee, 20% paid by the employer and the remaining 50% was paid by the insurance company. I don't know how to show this in a chart, so I greatly appreciate your input.  Please look at the attached pdf. Thanks