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In 2013, yet another financial challenge will befall the baby boomer generation as the $5 billion Early Retiree Reinsurance Program, funded under the Affordable Care Act, expires in 2013, to be followed by health insurance exchanges for individual coverage. Self-funded employers have used the subsidy program to help with the costs of premiums for those aged 55-64. The subsidy program was quickly embraced by employers and ERRP stopped taking new applications in May.

Now, a new survey from HighRoads, a health care regulation and compliance company, shows employers are not planning any short-term changes. However, 79 percent did take advantage of the subsidy, indicating they will have to re-evaluate costs once the subsidy expires.

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