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The benefits industry is still reeling from the sea change created by the Patient Protection and Affordable Care Act, and we’ve only just begun navigating the waves of transformation. New challenges loom on the horizon as public attention turns to the underinsured—those who have health coverage but are unable to afford care due to barriers such as high deductibles. In addition, the 2018 Cadillac tax poses another dilemma. The convergence of these dynamics presents an optimal time to roll out integrated benefits, an approach that addresses the needs of employers and employees alike.

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