One of the biggest decisions for many companies this year will be what to do about their health benefits.
They have just 12 months before the major provisions of the federal overhaul law take effect on Jan. 1, 2014, reshaping health coverage in the U.S. Employers with at least 50 workers will owe penalties if they don’t cover full-time employees. Most Americans will face a parallel “individual mandate” to obtain insurance. And new online marketplaces called exchanges will sell insurance plans in each state, paired with federal subsidies for lower-income people.
Certain employers could see health-related costs go up as
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