A handful of analysts and politicos have warned that Patient Protection and Affordable Care Act provisionsmost notably the employer mandatewould have a negative impact on employment, cut jobs and reduce full-time workers hours.

Businesses need to turn up the heat in educating consumers about health savings accounts and health reimbursements accounts, according to Acclaris, a tech consulting firm for account-based health care plans.

Employers have a wide range of opinions about the recent mergers of major health insurance companies.