Excerpt: It's open enrollment time at work. Prepare yourself. Starting in 2010, your employer is making sure that when it comes to paying for your health care, you're going to be sharing much more of the burden. 'The headline is greater cost sharing,' said Tom Billet, senior consultant with human resources consultancy Watson Wyatt. 'That means higher [employee] contributions, higher deductibles, or both,' he said. In 2010, employers are 'putting everything on the table,' implementing benefit changes aimed at making workers more aware of the actual cost of services,' said Paul Fronstin, director of the health research program at the Employee Benefit Research Institute (EBRI), a public policy research group.  MORE >>