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Pressures at work against the health insurance market have caused the cost of health benefits to increase steadily for years and that trend will continue. The nation's health care reform law has the potential to offer relief, but mainly to individuals. Still, for insurers, costs are expected to increase as providers struggle to meet new requirements and regulations. Employers are caught in the middle. They can expect to assume burdens passed on from individuals and insurers. Furthermore, the new health care reform law requires most employers to provide insurance for all full-time workers or pay a per-employee fee. This latest white paper explores health coverage options and available alternatives and explains how, with creativity and dedicated effort, employers can find ways to keep health plan costs at reasonable levels. It also reveals alternative financing arrangements employers can adopt to provide the health benefits they desire to offer to workers. View a sample.