"[S]ome employers plan to replace their traditional group retiree medical benefits for pre-Medicare retirees with individual insurance through private marketplaces.... [H]alf of employers (50%) are concerned about increases in their costs to provide medical benefits for retirees. These costs for retirees who aren't eligible for Medicare are projected to increase 4.8% next year, up from 3.6% this year. Costs for Medicare-eligible retirees are projected to rise 2.7% next year, up from 2.1% this year."

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