The Hartford Financial Services Group Inc. is initiating the Two for Tomorrow marketing campaign, which recommends Americans redirect the newly implemented reduction in Social Security payroll taxes to their employer's 401(k).

Two thirds of insurance firms are now looking for new products or services to introduce to their distribution channels in the year, finds an industry sample conducted by the Inter-Company Marketing Group.

More than 40 percent of employers say they are likely to pass along cost increases to workers, and about half of workers expect their health benefit costs to go up whether directly or indirectly related to the PPACA.

What a ride it's been. The uncertainty has never been greater for the quality and pricing of health care in America.