No matter what happens to the Patient Protection and Affordable Care Act of 2010 (2010), the trend toward individual and small group health coverage sales shifting to exchanges likely will continue.

With an eye on both their employees health and their bottom line, employer plans are rapidly embracing value-based health care. This outcome-driven, consumer-centered approach focuses not on the dollars being spent, but on how the dollars being spent can improve employees health (and keeping them healthy).

U.S. employers with more than 50 workers seem to be much more concerned about a federal tax on expensive health benefits packages than they are about the idea of having to provide coverage for all full-time employers.

Workers are growing to accept the idea that they may be working long after they've become eligible for senior discounts.