More employers may be shifting to self-funded health plans, and fewer are offering full or even partial spousal coverage, as corporations redesign their benefits packages in response to the shifting health benefits landscape.

These trends were among those spotted by actuarial firm Conrad Siegel Actuaries. The firm does an annual health benefits survey; this year, 130 companies from a range of industries responded.

The biggest shift noted occurred in spousal coverage. In 2012, Conrad Siegel said, 20 percent of respondents either charged spouses for coverage or excluded them. In this year's survey, that shot up to 47 percent.

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