It's almost 2015—which also means it's time to speculate about what might happen in the benefits industry in the new year. We asked some experts to give us a few predictions come January. Here's what they said.

Political battle.

"I think the second round of open enrollment for PPACA will go more smoothly, and we'll see millions more sign up for health insurance. With this issue waning, you'll see Republicans trying to find something else to pin on Obama as they jockey for position as the 2016 presidential nominee. Thus, with all the posturing that will be going on, very little — if any — meaningful legislation will be passed. It will be all politics all the time."

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