• Delay in the employer mandate is welcome news, but most employers can still expect reform to add at least 2%-3% to cost in 2014 from new fees, plan design changes, and higher enrollment due to individual mandate
  • Recent Mercer survey of 881 employers found 50% concerned about handling employee questions about the public exchanges – a task that remains daunting
  • One of the biggest reform concerns – avoiding the excise tax in 2018 – will continue to drive change in 2014
  • Private exchanges remain an effective strategy for 2014 and beyond
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