The emergence of public and private health insurance exchanges, as well as the ongoing shift toward placing more responsibility on workers for health plan decisions, is creating a new normal for employers and employees alike.

As the Affordable Care Act’s public health exchanges boasted roughly 8 million enrollees during its first signup period,  and the Small Business Health Options Program marketplaces are expected to be fully operational by year’s end, the introduction of choice to employee populations is a “major disruptor,” says Paul Lambdin, a director at Deloitte Consulting.

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