Ignorance will not be bliss come October when state and federal exchanges begin enrollment for individuals and small group employees. While brokers are experiencing anxiety about their role in such exchanges, employees of all types may be confused about their options.

"Most employees don't think [health reform] impacts them yet," says Mike Thompson at PricewaterhouseCoopers' human resource services. But, when more information begins to come out on public exchanges, "employees are very likely to be very confused," he adds. "It's one of the reasons that HHS deferred employers communicating about the exchanges to their employees."

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