As an employer, you know the New Year is approaching fast; and if you have not already had your open enrollment completed, or if you are sweating the last minute details of your plan design and rollout for 2012, you may be wondering what to expect for the final version of your benefits.

Well, if you think insurance coverage and health care costs are expected to drop like the ball in Times Square, think again. With the Affordable Care Act, costs are going to increase over time — a lot.

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