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Health care is changing, and with each passing month it’s clear: job-based benefits will never be
the same. Employers of all sizes agree that health care reform is confusing, but that doesn’t mean
companies should be stuck in the “wait and see” mode. There are several important steps your
business can take to prepare for changes to health care in 2015. Three key benefits decisions
can give you a fresh perspective and key advantage in the year ahead.

1. Choose a benefits strategy – not just a benefits package.
Since health care costs continue to rise at rates faster than inflation,1,2 it’s important for
businesses to look beyond a specific benefits plan and set their eyes on a benefits strategy to
carry their company into the future. A successful plan will help your company answer a host of
important questions:

  • What role will benefits play in your business?
  • How will your company’s benefits keep pace with competitors?
  • Will your benefits meet health care reform standards to avoid triggering penalties or
    the Cadillac tax?
  • How will your company handle health care reform reporting and communications

It’s a safe bet to look for partners who can help you navigate the sometimes murky waters of
post-reform health care. Lean on trusted benefits brokers and advisors to help determine answers
to these questions. And remember, your company can adjust or change its strategy as you learn
what works best for your business. Learn more about strategies that may help your company at