Health care costs seem to continue on an upward spiral each year, and to combat this, the Department of Health and Human Services has formed a health care exchange system as part of the Patient Protection and Affordable Care Act.

The health care exchange system is designed to provide an affordable coverage option, but like any government program, it has mixed reviews, especially among employers. Is it cheaper to drop coverage and leave employees to the health care exchange system? What are the consequences of doing so? These are some of the questions human resources departments are evaluating.

How exchanges can affect employers

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