The health care law has so far fallen dramatically short of what was expected -- technically, and in almost every other way.

About the same time clients make Social Security decisions impacting the income side, they confront even more complexity in deciphering Medicare choices on the expense side.

The HHS secretary says the systems verify whether applicants are eligible for benefits.

There are plenty of reasons why plan sponsors peering into 2014 might have that deer-in-the-headlights look about them.