"Although the ACA is poised to radically change the employer-based benefits landscape, several truths are certain: ... [1] Voluntary offerings that are mostly untouched by the hand of health reform are more attractive tools than ever to enhance employment recruitment and retention. [2] Voluntary benefits continue to offer valuable and affordable financial protection for working Americans. [3] Benefits communication that is meaningful and personalized provides an effective means to combat the confusion of health reform and create an environment of choice, value and security."