Next year stands to be a pivotal year for employee benefits particularly as the Patient Protection and Affordable Care Act continues to shake out, likely propelling the sale of voluntary benefits products even further, experts say.

I always take a little time in December to review and renew, evaluating where I got it right and where I got it wrong in the year.

An online health insurance marketplace for small businesses is being put off until November 2014 to make sure HealthCare.gov gets fixed first.