Moodys has issued a sector comment that paints a dim portrait of the carriers abilities to offer affordable health insurance.

A panel asks commenters to review an informational document by Dec. 3.

By a margin of nearly 4-to-1, survey respondents anticipate higher out-of-pocket expenses due to PPACA.

Most companies, Fortune 100 companies included, have attempted to lower their retirement costs over the past decade. The most popular way has been to close pension plans to new hires and begin offering defined contribution plans instead.