It's almost 2015—which also means it's time to speculate aboutwhat might happen in the benefits industry in the new year. Weasked 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 gomore smoothly, and we'll see millions more sign up for healthinsurance. With this issue waning, you'll see Republicans trying tofind something else to pin on Obama as they jockey for position asthe 2016 presidential nominee. Thus, with all the posturing thatwill be going on, very little — if any — meaningful legislationwill be passed. It will be all politics all the time."

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