Struggling with a deadline crunch, some states are delaying online tools that could make it easier for consumers to find the right plan when the markets go live on Oct. 1.

While only 6 percent of those surveyed say their companies have already transferred their defined benefit plan risk to a third-party insurer, about 40 percent say they will consider doing so within the next two years.

Consumers want more of a hand in making decisions about their health insurance.

Assurant said they will wait until at least 2015 to try to get onto any PPACA exchanges.