6 HR/benefits predictions for 2013 and beyond

After a landmark U.S. Supreme Court decision and an aggressively contentious national election, those hoping next year will be calmer could be out of luck. Financial experts weigh in on what changes executives and benefits professionals can expect for 2013. (Images: Thinkstock)

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 defined 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.”




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