1. More employers will send workers shopping in health insurance exchanges.
According to the 2012 Employer Health Plan Study by J.D. Power and Associates, 47% of employers say they definitely will or probably will switch to tdefined contribution health care
. Further, a July issue brief from the Employee Benefit Research Institute on health insurance exchanges states that there are a number of potential advantages to both employers and workers in this structure, including fixed costs for employers and greater choice and portability for employees. According to EBRI, [health care reform] and employers need to control the cost of health benefits indicate this is a field that is likely to grow.