In conjunction with December's EBN cover story, "Buyer beware," which examined consumer readiness for purchasing their own health care coverage via public and private exchanges, Dr. Raymond Fabius, chief medical officer at Truven Health Analytics, penned this guest commentary - which originally appeared on EBN's blog - questioning the wisdom of shifting to the exchange- only model. -Kelley M. Butler

Sears Holdings and Darden Restaurants shook up the health care industry recently, when they announced a new approach to providing health care coverage to employees. Under the new plans, employees will be given a fixed sum of money each year to choose their coverage and insurer from an online marketplace.

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