WASHINGTON (AP) — If the Supreme Court strikes down President Barack Obama's health care overhaul, don't look to government for what comes next.

Employers and insurance companies will take charge. They'll borrow some ideas from Obamacare, ditch others, and push even harder to cut costs.

Here's what experts say to expect:

— Workers will bear more of their own medical costs as job coverage shifts to plans with higher deductibles, the amount you pay out of pocket each year before insurance kicks in. Traditional insurance will lose ground to high-deductible plans with tax-free accounts for routine expenses, to which employers can contribute.

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