"[If] the system is so broken, why haven't employers yet gotten out of managing health benefits? ... Over the last several years, employers have moved from a defined benefit to a defined contribution ... [One author believes that] employer-based coverage will continue to exist, but as consumers become more educated and are forced to shoulder more of the cost burden, 'we will see more interest in looking at other options, including being able to navigate independently in a national marketplace.' "

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