1993U.S. Sen. John Chafee, R-Rhode Island, introduces the Health Equity and Access Reform Act, which includes a mandate, complete a non-compliance penalty. Supporters include Sens. Orrin Hatch, R-Utah, Charles Grassley, R-Iowa, and Republican Kit Bond from Missouri.

You get what you pay for. And thats true. But as this health care law is proving almost every week now, you get what you dont plan for, too.

You might call it the rise of voluntary benefits. The game changer in benefits offerings. Call it whatever you want, but voluntary benefits have exploded in recent years.

Say what you want about George W. Bush and his often-debated legacy, but the 43rd president has made a significant impact on the benefits industry.