"Employers view the consistent benefits made possible by ERISA preemption as a tool for increasing work force mobility ... ERISA preemption reduces administrative costs and burdens, thus enabling employers to deliver richer benefits and lower-cost coverage to their workers.... ERISA preemption fosters innovation that would otherwise be stifled by different states requiring different coverages or administrative rules.... Despite predictions of a decline, the employment-based health coverage system has demonstrated continued resilience."  MORE >>