CHICAGO – Hysteria. 

That, according to Towers Watson's Benjamin Pajak, is what many employers experience every time they read yet another headline about yet another large company shifting its workers into one of the private exchanges.

Pajak should know. As the firm's senior vice president of strategy and business development for its Exchange Solutions unit, he gets a lot of urgent phone calls from HR executives after they've heard from their CEOs or CFOs wondering why their company isn't already working with an exchange and how quickly they can join the club.

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