The media and insurance industry circles frequently mention private exchanges as an alternative to public marketplace exchanges or traditional insurance plans. A recent survey of employers by Towers Watson and the National Business Group indicated that one-third plan to move their employee benefit plans to private exchanges within the next few years. They may be looking to avoid the headaches and uncertainties involving employee benefits, including spiraling costs and increasing regulations associated with the Affordable Care Act (ACA).

But are private exchanges the best option for all employers and for all health plans, especially for popular dental and vision benefits?

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