This year's biggest enrollment trend? Firms paying less for health care on workers' behalf. (photo credit: vichie81)

Jay Starkman, CEO of Engage PEO in St. Petersburg, Fla., remembers a 50-person, light-manufacturing company in the southeast United States.

Ten years ago, health insurance rates were very low, and employee participation was very high. The employer paid 100 percent of health insurance, dental and vision coverage. “At the time, that was expected,” Starkman says. “That was what the company needed to do to be competitive.” All the firm’s employees participated.

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